摘要
本文基于中国家庭金融调查(CHFS)数据,选用工具变量法,考察了收入不确定性视角下借贷约束对家庭高等教育决策的影响,并验证了在收入不确定性冲击下,借贷约束对家庭高等教育决策行为的抑制作用。研究发现:(1)收入不确定性是影响家庭高等教育决策的重要因素,收入不确定性的提高显著抑制了家庭高等教育投资的概率与规模;(2)借贷约束水平的提高亦会降低家庭成员接受高等教育的概率,同时也降低了家庭教育投资的规模;(3)在受到收入不确定性影响的情况下,借贷约束水平的提高将会进一步抑制家庭成员接受高等教育的概率与家庭教育投资的规模。基于以上结论,政府应加快收入分配制度与社会保障体制改革,增加家庭可支配收入水平,提高家庭高等教育投资能力,从而促进家庭成员受教育水平的不断上升。
Based on the data of China household finance survey(CHFS),this paper selected the instrumental variable method to investigate the impact of borrowing constraints on family higher education decision-making from the perspective of income uncertainty,and verified the mediating effect of borrowing constraints on family higher education decision-making under the impact of income uncertainty.The findings are as follows:(1)Income uncertainty is an important factor affecting the decision making of family higher education.The increase of income uncertainty significantly inhibits the probability and scale of family higher education investment.(2)The improvement of the level of borrowing constraints will also reduce the probability of family members receiving higher education,and also reduce the scale of family education investment;(3)Under the influence of income uncertainty,the improvement of borrowing constraint level will further inhibit the probability of family members receiving higher education and the scale of family education investment.Based on the above conclusions,the government should accelerate the reform of income distribution system and social security system,increase the level of disposable income of families,and improve the investment ability of family higher education,so as to promote the continuous rise of education level of family members.
作者
谢北辰
XIE Bei-chen(School of Mathematics and Statistics,Hunan Normal University)
出处
《教育经济评论》
2020年第2期45-64,共20页
China Economics of Education Review
关键词
收入不确定性
借贷约束
家庭高等教育决策
人力资本投资
income uncertainty
borrowing constraints
family higher education decision-making
human capital investment
作者简介
谢北辰,湖南师范大学数学与统计学院,电子邮箱地址:1003418365@qq.com。
