基于居民家庭金融资产及房产的消费支出影响研究

The Study on the Consumption of Residents Based on Family Financial Assets and Real Estate Value

近年来我国金融市场、房地产市场快速发展,居民家庭资产结构发生了明显的变化,财产性收入对居民的消费支出的作用也日益明显。本文对居民家庭消费支出进行研究,在控制了居民家庭结构以及家庭财务管理人的特性后,发现居民家庭金融资产总值、家庭房产总值与家庭房产净值对居民消费支有显著的正向影响;同时,家庭财务管理人的学历状况与户口状况也能对居民的消费支出产生正向显著影响。

In recent years,the financial market and the real estate market in China have developed rapidly,and the household property structure of the residents has changed obviously.The effect of property income on the consumption of residents has become increasingly obvious.In this paper,we studied the household consumption expenditure.After controlling the family structure and the characteristics of the family financial manager,the results indicated that the total value of family financial assets,the total value of family real estate and the net value of family real estate have a significant positive effect on the consumption expenditure.And the educational background and household status of family financial manager can also have significantly positive influence on consumer spending.