居民财产性收入与金融资产结构的相关性研究

The Correlation Between the Property Income and the Structure of Financial Assets

以我国居民金融资产结构的动态变化为基础,运用1993～2014年的数据研究和判断我国居民财产性收入和金融资产之间是否存在结构性的关联,得出财产性收入在不同金融资产选择下所出现的相关影响.研究结果表明:居民财产性收入和家庭金融资产结构之间不存在协整关系;现金、股票、保险对于财产性收入的影响程度较大,居民对于流动性资产的需求增长日益明显.

Based on the dynamic change of our residents’ financial assets structure,the paper uses the data from 1993~2014 to judge whether there is a connection between financial assets structure,and the residents’ property income and determine the impact of the selection of financial assets on the property income.The results show that there is no association between the property income and the household financial asset structure,that cash,stocks,and insurance are the reasons for the household property income,and that various kinds of financial assets makes different contribution to the property income.