家庭净资产对居民消费的影响——基于CHFS数据的实证分析  

Impact of Household Net Worth on Residents’Consumption:An Empirical Analysis Based on CHFS Data

作　　者：谭小淞 景子怡 李璐瑶 TAN Xiaosong;JING Ziyi;LI Luyao(Hebei Finance University,Baoding 071000,China;School of Big Data Science,Hebei Finance University,Baoding 071000,China)

机构地区：[1]河北金融学院研究生部,河北保定071000 [2]河北金融学院大数据科学学院,河北保定071000

出　　处：《商业观察》2024年第31期34-37,73,共5页BUSINESS OBSERVATION

基　　金：2022年河北省研究生教学研究示范中心(YSFZX2022026);2022年河北省研究生教育教学改革研究项目(YJG2023109)。

摘　　要：利用2017年、2019年中国家庭金融调查(CHFS)数据进行实证分析,研究家庭净资产是否会影响消费,如何影响消费,发现家庭净资产对居民消费具有显著的正向影响,即家庭净资产的增加会提高居民的消费水平和发展享受型消费。生命周期差异和城乡差异是造成城乡居民消费差异的原因。因此,政府和社会应持续保证居民财富保值增值,加强房地产市场金融调控,强化对金融消费者权益保护,发展普惠金融,保障居民合理适度负债,避免居民消费过度集中,从而提高居民消费能力。Using the data of China Household Finance Survey(CHFS)in 2017 and 2019,this paper conducts an empirical analysis to study whether and how household net worth affects consumption.It is found that household net worth has a significant positive impact on household consumption.It means that the increase of household net worth will improve residents'consumption level and develop enjoyable consumption.The difference of life cycle and the difference between urban and rural areas are the causes of the consumption difference between urban and rural residents.Therefore,the government and society should continue to ensure the preservation and appreciation of residents'wealth,strengthen financial regulation and control in the real estate market,strengthen the protection of the rights and interests of financial consumers,develop inclusive finance,ensure reasonable and moderate liabilities of residents,avoid excessive and concentrated consumption of residents and improve consumption ability.

关 键 词：家庭金融 金融资产 房屋资产 居民消费 

分 类 号：F832[经济管理—金融学]