我国居民杠杆率对居民收入差距的影响

doi:10.3969/j.issn.2095-0098.2024.01.004

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	我国居民杠杆率对居民收入差距的影响
其他题名	The Influence of Resident Leverage Ratio on Resident Income Gap in China
	王霞 1; 马蕊2
	2024-02-28
发表期刊	金融教育研究
卷号	37 期号:1 页码:43-56
摘要	在居民杠杆率不断攀升与居民收入差距过大这两大问题并存的当下,为实现全面共同富裕的政策目标,基于中国家庭追踪调查(CFPS)所提供的2010-2018年共5期微观家庭部门的非平衡面板数据,就居民杠杆率对居民收入差距的影响效应及传导机制进行深入探究,并进一步将居民家庭样本分为城镇样本与农村样本进行异质性检验.研究发现:居民杠杆率的提高会扩大居民收入差距,且城镇地区的影响效应大于农村地区;居民杠杆率通过金融资产投资、房地产投资以及生产经营活动影响居民收入差距,其中房地产投资渠道的影响效应最大,其次为家庭金融资产投资渠道,最后为生产经营活动渠道.为控制居民杠杆率的上升,缩小居民收入差距,应持续控制居民杠杆率、科学追踪资金流向、引导金融资源向农村倾斜.
其他摘要	At present,the residents'leverage ratio is constantly rising and the residents'income gap is too large.In order to achieve the policy goal of comprehensive common prosperity,based on the unbalanced panel data of the micro household sector in five periods from 2010 to 2018 provided by the China's Family Panel Studies(CF-PS),this paper conducts an in-depth study on the impact and transmission mechanism of resident leverage ratio on resident income gap,and further divides household samples into urban samples and rural samples for heterogeneity test.This paper finds that the increase of resident leverage will widen the income gap,and the impact of urban areas is greater than rural areas.Resident leverage affects resident income gap through financial asset investment,real es-tate investment and production and operation activities,of which the real estate investment channel has the greatest impact,followed by the family financial asset investment channel,and the last is the production and operation activi-ties channel.In order to better control the rise of resident leverage rate and narrow the income gap of residents,the paper puts forward some countermeasures and suggestions,such as continuous control of resident leverage rate,sci-entific tracking of capital flow and financial resources inclining to rural areas.
关键词	居民杠杆率居民收入差距共同富裕中国家庭追踪调查
DOI	10.3969/j.issn.2095-0098.2024.01.004
URL	查看原文
收录类别	AMI
ISSN	2095-0098
语种	中文
原始文献类型	Periodical
文献类型	期刊论文
条目标识符	http://ir.lzufe.edu.cn/handle/39EH0E1M/37480
专题	金融学院
作者单位	1.兰州财经大学中国西北金融研究中心,甘肃兰州 730020; 2.中国建设银行甘肃省分行营业部,甘肃兰州 730020
第一作者单位	中国西北金融研究中心
推荐引用方式 GB/T 7714	王霞,马蕊. 我国居民杠杆率对居民收入差距的影响[J]. 金融教育研究,2024,37(1):43-56.
APA	王霞,&马蕊.(2024).我国居民杠杆率对居民收入差距的影响.金融教育研究,37(1),43-56.
MLA	王霞,et al."我国居民杠杆率对居民收入差距的影响".金融教育研究 37.1(2024):43-56.