户籍制度、身份认同和风险承担——基于CHFS数据的分析

Household Registration System,Identity Recognition and Risk-taking:Analysis based on CHFS Data

打破城乡二元格局、实现城乡融合发展是一项重要议题。统一户籍登记制度改革标志着以“农业”和“非农业”区分户口性质的城乡二元户籍制度将成为历史,户籍制度改革带来的居民身份认同变化可能会深刻影响个体行为。本文从微观角度探讨统一户籍登记制度对个体风险承担的影响,并讨论其影响个体经济行为、金融决策的深层次机理。本文发现,统一户籍登记这一制度安排打破了城乡分离的身份认同,“身份不确定”导致的审慎风险态度得到释放,使个体做出更积极的风险承担行为。进一步地,户籍身份统一带来的更高风险偏好程度、更广泛的金融信息关注度获得是影响风险承担意愿的可能渠道。

Eliminating the urban-rural dichotomy and promoting the integration of urban and ru-ral areas is an important issue.The reform of the unified household registration system marks the end of the dual urban-rural household registration system that distinguishes“agricultural”and“non-agricultural”household registration,and resulting changes in residents’identity may pro-foundly affect their behaviors.We explore the impact of the unified household registration system on individual risk-taking from a microscopic perspective,with the aim of discovering the deep-seated mechanisms that influence individual economic behavior and financial decisions.We find that the institutional arrangement of unified household registration dismantles the identity separa-tion between urban and rural areas,which releases the prudent risk attitude caused by“identity uncertainty”,promoting individuals to engage in more proactive risk-taking behavior.Further,higher risk preference and enhanced financial knowledge,facilitated by the unified household registration system,are potential channels through which risk-taking intentions are influenced.