摘要
使用"消费金融调研"2010~2011年对中国24个城市家庭的截面和追踪样本数据,基于生命周期理论模型,实证研究中国城市居民住房负担对消费的影响,以及住房负担家庭的特征。住房负担分为三类,分别是房产债务负担、房租负担和储蓄购房负担。研究发现:负担较重家庭的消费收入弹性相比负担较轻家庭显著降低,中国城市存在住房负担抑制消费的效应,抑制程度较大;各线城市居民负担状况差异明显。
Using nationwide Survey of Consumer Finance data collected from 24 cities of China in 2010 and 2011,this paper empirically estimates the effect of housing burden on consumption in urban households based on the theoretical model of life cycle,and investigates the characteristics of families with housing burden. Housing burden includes housing debt burden,rental burden and down-payment burden. Study shows that families with housing burden have significantly lower consumption-income elasticity compared with families with less housing burden. The effect that housing burden greatly suppresses consumption can be found in China. Also there are differences in the percentage of housing burden families among cities of different levels.
出处
《云南财经大学学报》
CSSCI
北大核心
2017年第3期3-20,共18页
Journal of Yunnan University of Finance and Economics
基金
安徽省社会科学创新发展研究项目"‘双创’背景下促进小微企业发展的普惠金融对策研究"(A2015021)
关键词
住房负担
消费
消费收入弹性
生命周期理论
Housing Burden
Consumption
Consumption-income Elasticity
Life Cycle Theory
