摘要
基于2009年中国农村—城市移民调查数据(RUMIC2009),文章研究了不同类型居民风险态度的影响因素。研究结果表明,在三种类型居民中,个体间风险态度均存在明显差异,非常厌恶风险的个体均最多,非常喜好风险的个体均最少;农民工风险厌恶度最低,农村居民居中,城镇居民最高。进一步的回归分析发现,社会资本、风险教育或经历、人力资本、财富资本和年龄都显著影响居民的风险态度。平均而言,越信任他人、拥有越多社会网络的居民冒险程度越高;男性、自雇者、抽烟越多的居民越喜好风险;教育水平更高、月收入更高、年龄更小的居民也更偏好风险。值得注意的是,教育对农村居民的风险态度没有显著影响;房产价值与农民工的风险态度没有显著相关性;房产价值的提高,增加了城镇居民的冒险程度,但减少了农村居民的风险喜好程度。此外,自评健康水平、身高、体重和婚姻均对不同类型的居民的风险态度产生不同的影响。
This paper studies the determinants of individual risk attitude among urban people, migrants and rural people using the 2009 Survey on Rural Urban Migration in China （RUMIC）. The result reveals that individual risk attitude varies significantly and the very risk averse are most while the very risk loving are least, no matter what type of household. Migrants are most risk tolerant, urban people are most risk averse. Further re- gression analysis finds that social capital, risk education or experience, human capital, asset capital and age all contribute to risk attitude. On average, the more trusting, more networks, male, self-employed, heavier smok- ing, more educated, higher monthly income, younger are less risk averse. Notably, education has no signifi- cant effect on the risk attitude of rural people, neither does housing value on that of migrants; The growth of housing value encourages urban people to take risk but discourages rural people. Besides, self-rated health, height, weight and marriage all affect different type of household differently.
出处
《上海经济研究》
CSSCI
北大核心
2014年第12期78-89,共12页
Shanghai Journal of Economics
基金
教育部人文社会科学项目新农合的筹资结构优化及精算平衡研究--基于可持续发展的视角(编号为12YJA630011
主持人:陈华)
