摘要
基于中国家庭金融调查(CHFS)的微观数据,文章考察了中国农村居民的负债决策及程度。研究发现家庭的生产经营和住房是影响农村居民负债的两个重要因素,而金融资产与负债可能性及程度显著负相关,各个收入阶层的农村居民都存在资金需求,收入高低并未显著影响负债决策和程度,利率和价格预期这两个直接关涉成本收益的因素也影响了居民的负债决策。
Basing on the micro- data of the Chinese Household Financial Survey （CHFS）, we investigated debt decision -making and debt level of the Chinese rural households. The study found that the production management and the housing of a family were two important factors to debt decision and debt level, the financial assets significantly decreased the possibility and level of debt. There are financial needs of rural residents in various income groups, and the income does not significantly affect the decision - making and degree of debt. Interest rates and price expectations, which were both factors that involved cost and benefit directly, impacted the debt decision - making of residents.
出处
《贵州财经大学学报》
CSSCI
北大核心
2017年第6期92-101,共10页
Journal of Guizhou University of Finance and Economics
基金
教育部人文社科青年项目"中国居民家庭负债行为及其福利效应研究"(项目编号:17YJC790013)阶段性成果
关键词
农村居民
家庭负债
负债程度
资产
rural residents
household debt
debt level
assets
