摘要
金融市场对于支持和鼓励家庭借款进而刺激家庭消费起着愈发重要的作用。作为家庭消费金融意识的重要体现,居民借款行为正在受到更多的关注。本文认为居民家庭借款行为包含两层含义:1.家庭是否有借款;2.家庭借款渠道的选择。利用CFPS调查项目中京沪粤三省市家庭借款行为的微观数据,本文运用Logit模型和Probit模型对影响居民家庭借款行为的家庭个体特征进行了实证分析,解析了不同家庭个体特征对借款行为的影响情况,并得出有关结论与启示。
Financial market is increasingly more important to support household borrowing and stimulate con- sumption. As an important reflect of household consumer finance consciousness, borrowing behavior is receiving more attentions. This paper defines the borrowing behavior as： 1. whether borrowing behavior has happened in household ; 2. how household gets it. By microeconomic data of CFPS, the paper uses Logit and Probit model to analyze the household individual characteristics＇ influence on borrowing behavior empirically, explaining the influence conditions of different individual characteristics, and what＇s more, relevant results and inspirations are also available.
出处
《金融研究》
CSSCI
北大核心
2012年第1期154-166,共13页
Journal of Financial Research
