中国家庭金融调查数据解析及使用建议

中国家庭金融调查(CHFS)是由西南财经大学中国家庭金融调查与研究中心于2011年启动的全国性家庭调查项目,旨在填补国内家庭金融数据的空白。CHFS每两年执行一次,截至2023年,已完成七期调查。调查数据覆盖住房资产与金融财富、负债与信贷约束、收入与消费、社会保障与保险、代际转移支付、人口特征与就业以及支付习惯等相关信息。CHFS采用三阶段、分层PPS抽样方法,基于自主研发的计算机辅助调查和访问系统,通过合理的样本设计、详细的调查问卷、严谨的执行流程以及实时数据质量监控,不断提高调查数据质量。研究者在使用CHFS数据时,需要详细了解数据的结构、变量命名规则以及数据清洗方法等内容,以提高分析结果的准确性和可靠性。据此,本文详细解析了中国家庭金融调查数据的结构和内容,并对合理使用数据提出建议。

The Chinese Household Finance Survey(CHFS),launched by the Survey and Research Center for China Household Fi-nance at Southwestern University of Finance and Economics in 2011,is a comprehensive national survey initiative designed to address the defi-ciency of household financial data in China.With biennial execution,the CHFS has completed seven survey cycles up to 2023.The survey’s data-base provides a wealth of information,including housing assets and finan-cial wealth,liabilities and credit constraints,income and expenditure,so-cial security and insurance,intergenerational financial transfers,demo-graphic profiles and employment,as well as payment behaviors.The CHFS utilizes a stratified PPS sampling approach over three phases,fa-cilitated by a proprietary computer-assisted survey and interviewing sys-tem.The survey’s methodology is characterized by a well-considered sample framework,exhaustive questionnaires,stringent operational proto-cols,and vigilant oversight of data quality,thereby ensuring the continual enhancement of data integrity.For scholars engaging with CHFS data,a profound comprehension of the data architecture,variable naming con-ventions,and data cleansing techniques is imperative to bolster the preci-sion and dependability of analytical outcomes.In light of this,the present paper meticulously dissects the architecture and content of the CHFS da-tabase and proffers strategic recommendations for its effective utilization.