摘要
本文利用中国家庭金融调查(CHFS)2011年度的调查数据,考察了收入不平等对家庭借贷行为的影响,并验证了家庭是否存在为追求社会地位而借贷的动机。研究表明:(1)收入不平等并不是影响家庭是否借贷的主要因素,但是对家庭的负债规模存在十分显著的抑制作用;(2)收入不平等的扩大并不会促使中低收入家庭寻求借贷或提升家庭负债规模,我国家庭并不存在为了追求更高的社会地位而进行借贷的动机;(3)收入不平等的扩大有利于高收入家庭获得更多的正规金融借贷,中低收入家庭则会较多地依赖于非正规金融借贷;(4)户主的人口统计学特征、家庭经济特征以及家庭所处地区特征均是影响家庭借贷行为的重要因素,在正规金融和非正规金融市场上,影响家庭借贷行为的因素存在较明显的差异。
Using the data of 2011 China Household Finance Survey（CHFS）,this paper investigates the effect of income inequality on household debt and verifies the existence of household＇s motivation borrowing for social status in China.Our research results show as follows：（1）Income inequality is not a major factor whether the household to borrow or not,but it can cause the inhibition of the scale in debt.（2）The broaden of income inequality does not make low-income families attempt to seek loans or enhance the size of household debt.Chinese family has no motives for pursuing a higher social status to borrow.（3）The broaden of income inequality benefits the high-income families to get more formal financial borrowing.Low-income families will be more dependent on the informal financial borrowing.（4）The demographic characteristics of the head of household,economic characteristics of households and their locations are the important factors that affect household borrowing behavior,and there are more obvious differences between factors that influence the formal finance and informal finance borrowing.
出处
《经济理论与经济管理》
CSSCI
北大核心
2016年第5期84-99,共16页
Economic Theory and Business Management
基金
国家社会科学基金面上项目(14BJL029)的资助
