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住房价值、预期房价与居民日常消费的异质性研究——基于中国家庭金融调查与研究数据的实证研究

Heterogeneity of Housing Value, Expected House Price and Residents’ Daily Consumption——An Empirical Study based on the Data of Household Finance Survey and Research in China
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摘要 本文基于家庭微观数据实证检验住房价值、预期房价对居民日常各类消费支出的影响。研究表明,从代表性家庭全样本数据来看,住房价值对家庭日常消费影响为正值。在考虑家庭异质性问题后,对于租户群体来说,虽然部分消费支出呈现负的相关性,表现出微弱挤出效应,但是最终效应仍然以财富效应为主。这与房价高居不下,家庭购房意愿降低有联系。从预期视角来看,预期房价对于家庭日常消费支出影响呈现微弱负效应,所以影响居民日常消费支出的是住房价值,而不是房价预期。 Based on household micro-data, this paper empirically tests the impact of housing value and expected house price on residents’ daily consumption expenditure.The research shows that the impact of housing value on household daily consumption is positively related from the full sample data of representative households.After considering the problem of family heterogeneity, for the tenant group, although some consumption expenditure shows a negative correlation, showing a weak crowding-out effect, the final effect is still mainly wealth effect. This is related to the high housing prices and the decline of households’ willingness to buy houses. From the perspective of expectation, the impact of expected house price on household daily consumption expenditure shows a weak negative effect. therefore, it is housing value that affects household daily consumption expenditure, not housing price expectation.
作者 李铠延 LI Kai-yan(School of Management,Fujian Agricultural and Forestry University,350000,Fuzhou,Fujian,China)
出处 《特区经济》 2019年第8期65-70,共6页 Special Zone Economy
关键词 住房价值 房价预期 家庭日常消费 财富效应 housing value housing price expectation household daily consumption wealth effect
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