中国家庭债务的变动趋势与影响因素研究

Research on Dynamic Trend and Influential Factors of Household Debt in China

家庭跨期消费选择是家庭借贷行为产生的重要动因。中国家庭债务规模不断增加,是家庭资产积累水平、家庭医疗支出、消费者信心等需求面因素及宏观经济政策与借贷利率等供给面因素共同助推的结果。政府应密切关注中国家庭债务的发展态势,合理控制家庭债务规模,维持宏观经济的稳定性。

In China, the constantly growing of household debt is caused by combined factors from the demand side, like household as- set accumulation level, household health expenditure and consumers＇ confidence and factors from the supply side including macroeco- nomic policy, lending rates and so on. Government should pay attention to the developing trend of household debt, control the size of household debt under a reasonable scale to maintain macroeconomic stability.