城市家庭的经济条件与储蓄行为——来自全国24个城市的消费金融调查

Economic Performance and Saving Behaviors of Urban Household——Evidence from a Survey of Consumer Finance of 24 Cities in China

2011年清华大学中国金融中心在全国范围内开展了第三次消费金融调研工作。本文就城市居民家庭经济条件和储蓄行为、家庭拥有住房和养老金账户状况,择要介绍了调研所获得的一些成果。调查表明:家庭储蓄的动机主要为应对突发事件和医疗支出、子女教育和养老,家庭储蓄多少和储蓄的稳定性显著地受到家庭经济条件的影响。低收入家庭的储蓄较少,养老金账户的额度和拥有率都很低,没有住房且缺少金融知识。这使得这部分家庭容易受不利因素影响而陷入经济困境。如何向低收入家庭提供金融教育和服务,改善他们的经济和金融条件,恐怕是今后需要着力解决的问题之一。

The CCFR of Tsinghua University has conducted the third survey of consumer finance. This paper provides some analysis about the economic performance, saving behaviors, housing and pension account of urban household in China by using the survey data. We found that most household saved money for the emergencies, children’ education and pension. The economic performance has a significant impact on the amount of saving and its stability. The low-income household usually has fewer savings and pension, no housing and lack financial knowledge which makes them more likely fall into a distress after adverse shocks. How to provide financial education and financial services to them may be a problem to be solved in the future.