摘要
利用2013年中国家庭金融调查(China Household Finance Survey,CHFS)的数据,在分析中国家庭资产与负债现状的基础上,研究家庭总收入与家庭的资产负债率之间的关系。研究表明:家庭的资产、负债与家庭收入密切相关,通常高收入的家庭会有较大规模的资产,较低的负债水平;低收入家庭则恰恰相反。进一步分析家庭资产负债率,研究表明:收入较高的家庭会拥有较低的资产负债率,城乡比较表现为农村家庭的资产负债率高于城市。
Based on the analysis of the current situation of family assets and liabilities, this paper uses 2013 China Household Finance Survey to investigate the relationship between family asset - liability ratio and household income. The research shows that the family＇s assets and debts are closely related to the household income. Generally, high income families have more assets and a relatively low liabilities level, low - income families just the reverse. Through further analyzing the family asset - liability ratio, the research shows that higher income families will have lower asset - liability ratio; comparison between urban and rural areas shows that the asset - liability ratio of rural families is higher than that of urban ones.
出处
《集美大学学报（哲学社会科学版）》
2016年第3期52-59,共8页
Journal of Jimei University：Philosophy and Social Sciences
基金
国家社科基金(14BJ014)
