中国城乡财富分布的比较分析

The Comparative Analysis of China's Urban and Rural Wealth Distribution

利用奥尔多投资研究中心的家庭资产调查数据系统,本文计算了我国2007年城乡财富分布,分析了贫富差距的特征和家庭资产结构。研究结果表明,我国城乡出现了较严重的贫富差距,但这不在于最富有群体过于富有。提高教育水平和改善婚姻状况都有助于提高家庭财富水平。高财富家庭的资产组合呈现出多元化,而中低财富家庭则较为单一,因而规避风险的能力也就较弱。此外,城市和农村居民的融资能力取决于家庭财富,财富水平越高的家庭融资能力越强。

Based on the Household Assets Survey Data System of AORDO Investment Research Center, this paper calculates China＇s 2007 urban and rural wealth distribution and analyzes the characteristics of the wealth inequality and household asset structure. The results show that there exists a serious wealth inequality in China＇s urban and rural areas, but it doesn＇t stem from that the richest group is too rich. To improve the level of educa- tion and the marital status could help to raise the level of household wealth. The portfolios of high wealth group households demonstrate the diversity. The portfolios of middle and low wealth group households are relatively simple, thus their ability to avoid risks is weak. In addition, the financing capability of urban and rural residents depends on the household wealth, that is, the higher the level of household wealth, the stronger their ability to finance.