遗产继承是否显著促进了家庭财富的积累?——来自中国家庭微观调查数据的证据被引量：7

Does Inheritance Significantly Promote the Accumulation of Family Wealth? Evidence from Chinese Household Micro-survey Data

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摘要社会财富的"代际固化"问题日益受到重视,遗产继承在其中发挥重要作用。使用中国健康与养老追踪调查数据,从理论和实证角度分析遗产继承对家庭财富积累的影响。研究表明:遗产的获得显著正向促进家庭财富的积累,且这一结果较为稳健和可靠;分样本的异质性分析表明,遗产继承对家庭财富积累的影响在农村地区、低文化程度、老年群体和非自雇者群体中更为显著,这可通过个体积累对遗产继承具有替代效应进行解释,即越难以通过市场经济活动积累财富的家庭,遗产继承在其中的作用越大;分财富结构类型来看,遗产继承显著促进家庭房产和金融资产的积累,但对土地资产、固定资产和耐用品资产的积累没有显著影响。 The issue of"intergenerational solidification"of social wealth is receiving more and more attention,and inheritance plays an important role in it.This article analyzes the impact of inheritance on family wealth accumulation from the theoretical and empirical perspectives by using data from China Health and Retirement Longitudinal Study.Studies show that the acquisition of heritage significantly promotes the accumulation of family wealth,and the result is relatively stable and reliable.The heterogeneity analysis of the sub-samples shows that the impact of inheritance on family wealth accumulation is more significant in rural areas,people with low education,elderly groups and non-self-employed groups.This can be explained by the viewpoint that individual accumulation has substitution effect on inheritance.That is,the more difficult it is for families to accumulate wealth through market economic activities,the greater the role of inheritance on them.From the perspective of wealth structure,inheritance significantly promotes the accumulation of the real estate and financial assets of families,but has no significant impact on the accumulation of land assets,fixed assets and durable goods assets.

作者韦宏耀杨政怡钟涨宝 WEI Hong-yao;YANG Zheng-yi;ZHONG Zhang-bao(School of Finance,Zhejiang Gongshang University,Hangzhou 310018,China;School of Public Administration,South-central University for Nationalities,Wuhan 430074,China;School of Humanity and Law,Huazhong Agricultural University,Wuhan 430070,China)

机构地区浙江工商大学金融学院中南民族大学公共管理学院华中农业大学文法学院社会学系

出处《云南财经大学学报》 CSSCI 北大核心 2020年第3期54-66,共13页 Journal of Yunnan University of Finance and Economics

基金浙江省社会科学规划课题“新矛盾背景下遗产继承影响家庭财富差距的机理与效应研究”(19NDQN350YB) 浙江省自然科学基金青年项目“利他动机视域下代际财富转移影响家庭财富差距的机理与效应研究”(LQ19G030006) 国家自然科学基金项目“中国银行业逆周期资本监管、货币政策交互作用的宏观经济绩效评价及其政策设计研究”(71373236) 教育部人文社会科学研究青年基金项目“深度贫困地区农村老年人生活照料体系构建研究——基于社会福利分层和家庭结构变迁视角”(19YJCZH221).

关键词遗产继承财富积累替代效应中国健康与养老追踪调查 Inheritance Wealth Accumulation Substitution Effect China Health and Retirement Longitudinal Study

分类号 F832.2 [经济管理—金融学] F126 [经济管理—世界经济]

作者简介韦宏耀(1988-),男,安徽马鞍山人,浙江工商大学金融学院讲师,博士,研究方向为财富分配、家庭养老等;杨政怡(1989-),女,湖北荆州人,中南民族大学公共管理学院讲师,博士,研究方向为养老保障、医疗保障;钟涨宝(1963-),男,浙江余姚人,华中农业大学文法学院社会学系教授,博士,研究方向为农村社会学。