社会互动、家庭负债对收入差距的影响机制研究

Research on the Impact Mechanism of Social Interaction and Household Debt on Income Gap

通过建立包含家庭负债的交互基础模型以及家庭债务与收入差距的两部门模型,从数理上证明了社会互动、家庭债务对收入差距的影响机制,并结合2013年中国家庭金融调查数据,通过Probit、Tobit等方法予以实证检验。研究结果表明,社会互动对家庭负债存在正向促进作用;家庭负债水平的提升是导致收入差距扩大的因素之一,且社会互动对这一影响具有促进作用;社会互动对家庭负债的影响因家庭所处区域、教育背景以及风险态度的不同而存在差异。政策当局需拓宽有关金融信息的交流渠道,加强对非正规金融的监管力度,控制正规、非正规金融渠道的比例,提高家庭资产负债状况的关注力度。

By establishing an interactive basic model including household debt and a two-sector model of household debt and income gap,this paper tries to mathematically prove the impact mechanism of social interaction and household debt on income gap,then combined with the data from the 2013 China Household Finance Survey,it conducts an empirical test by means of Probit,Tobit and other methods.The research results show that social interaction has a positive effect on household debt,that the increase in household debt is one of the factors leading to the widening of the income gap,and social interaction has a promoting effect on this impact,and that the impacts of social interaction on household debt are different due to the differences of family location,educational background and risk attitudes.The policy authorities need to broaden the channels for exchange of financial information,strengthen the supervision on informal finance,control the proportion of formal and informal financial channels,and increase the attention to household assets and liabilities.