家庭债务与风险承受能力:来自中国的证据

IF 16.4 1区化学 Q1 CHEMISTRY, MULTIDISCIPLINARY Accounts of Chemical Research Pub Date : 2023-06-23 DOI:10.1111/roiw.12655

Jialong Li

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引用次数: 0

摘要

摘要本文以2011年、2013年、2015年和2017年《中国家庭金融调查》为样本，研究中国户主风险承受能力与家庭债务之间的关系。分析了风险承受能力对持有决策和持有家庭债务总额、住房债务和非住房债务的影响。主要研究结果表明，风险承受能力与家庭债务和非住房债务呈正相关。风险承受能力对城乡家庭债务的影响存在差异。例如，农村家庭的风险承受能力与持有住房债务的概率之间存在正相关关系，而城市家庭则没有这种关系。此外，风险承受能力对家庭债务的影响在农村家庭中更大。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Household Debt and Risk Tolerance: Evidence From China

Abstract This paper examines the relationship between the head of household's risk tolerance and household debt in China for a sample drawn from the China Household Finance Survey, 2011, 2013, 2015 and 2017. The effect of risk tolerance on both the decision to hold and the amount of total household debt, housing debt and non‐housing debt held is analyzed. The key findings indicate that risk tolerance is positively associated with household debt and non‐housing debt. Differences are found in the effect of risk tolerance on household debt across rural and urban households. For example, there exists a positive relationship between risk tolerance and the probability of holding housing debt for rural households while such a relationship is not found for urban households. In addition, the effect of risk tolerance on household debt is larger for rural households.

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来源期刊

Accounts of Chemical Research 化学-化学综合

CiteScore

31.40

自引率

1.10%

发文量

312

审稿时长

2 months

期刊介绍： Accounts of Chemical Research presents short, concise and critical articles offering easy-to-read overviews of basic research and applications in all areas of chemistry and biochemistry. These short reviews focus on research from the author’s own laboratory and are designed to teach the reader about a research project. In addition, Accounts of Chemical Research publishes commentaries that give an informed opinion on a current research problem. Special Issues online are devoted to a single topic of unusual activity and significance. Accounts of Chemical Research replaces the traditional article abstract with an article "Conspectus." These entries synopsize the research affording the reader a closer look at the content and significance of an article. Through this provision of a more detailed description of the article contents, the Conspectus enhances the article's discoverability by search engines and the exposure for the research.