家庭收入、信用消费与风险金融资产配置——基于CGSS数据的实证研究  

Household Income,Credit Consumption,and Risk Financial Asset Allocation:an Empirical Study Based on CGSS Data

作　　者：车成城 郑群哲 刘虎明 CHE Chengcheng;ZHENG Qunzhe;LIU Huming(Department of Economics,Wanjiang College of Anhui Normal University,Wuhu 241000,China;School of Economics and Management,Jiangxi University of Engineering,Xinyu 338000,China;School of Finance and Trade,Zhuhai University of Science and Technology,Zhuhai 519000,China)

机构地区：[1]安徽师范大学皖江学院经济系,安徽芜湖241000 [2]江西工程学院经济管理学院,江西新余338000 [3]珠海科技学院金融与贸易学院,广东珠海519000

出　　处：《大连大学学报》2024年第5期67-76,共10页Journal of Dalian University

基　　金：国家社会科学基金项目“基于广义虚拟经济理论的能源价格形成机制及优化研究”(21BJY112);安徽师范大学皖江学院人文社科研究项目“新兴信用消费工具对家庭风险金融资产配置的影响研究”(WHKY-202420)。

摘　　要：伴随家庭收入不断增长,家庭风险金融资产配置已经逐渐成为流行趋势。在各类信用消费平台快速发展的背景下,为有效防范信用消费潜在的金融风险,完善金融差异化监管措施,基于中国综合社会调查(CGSS)6017个家庭数据回归分析得出:家庭收入提升会显著增进信用消费,进而促进风险金融资产配置,即信用消费在家庭收入与风险金融资产配置之间起到了明显的中介作用;在异质性分析中,家庭信用消费对风险金融资产配置的正向影响仅在非农户口、家庭保障负担轻的样本中显著。With the continuous growth of household income,the allocation of household risk financial assets has gradually become a popular trend.Based on 6017 household data from the China General Social Survey(CGSS),it is found that household income increase can promote credit consumption and the allocation of risk financial assets.Credit consumption plays an intermediary role.In heterogeneity analysis,the positive impact of household credit consumption on risk financial asset allocation is obvious only on samples from non farm household registration and light household security burden.

关 键 词：家庭收入 信用消费 风险金融资产 

分 类 号：F832[经济管理—金融学]