江西省城镇居民家庭资产结构对消费影响的差异性分析——基于江西省1135户城镇居民的微观调查数据

A Study on the Influence of Different Family Assets Structure on the Residents' Consumption:Based on the Survey Data of 1135 Households in Jiangxi Province

基于江西省城镇居民资产状况调查的微观家庭数据,本文首先定性分析了江西省城镇居民家庭资产状况,其后采用改进后的Benjamin模型,定量比较了风险性金融资产、低风险性金融资产、住房资产对居民家庭消费的影响。研究表明:三种家庭资产与江西省城镇居民消费均存在正相关关系,低风险性金融资产对消费的影响最大,风险性金融资产弱之,房产对江西省城镇居民消费影响甚微。最后针对研究结果,从注重产品创新,完善资本市场、抑制房价过快增长三个方面提出了政策建议。

Based on the microscopic household survey data about the assets of urban residents in Jiangxi Province, this paper firstly qualitatively analyzes the asset condition of urban households in our province, then by using the improved Benjamin model quantitatively, it compares the influence of compared the risky financial assets, low risk financial assets and housing assets on household consumption. The result shows that there are were positive correlations between the three kinds of family assets and consumption of urban residents in our province. The low risk financial assets have the greatest impact on consumption, the risk of financial assets is weaker than the impact of low financial assets, real estate has little effect on the consumption of urban residents in our province. Finally, the paper puts forward some policy suggestions on the research results from three as- pects： focusing on product innovation, improving capital market and restraining housing price growth.