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住房对家庭金融资产配置的影响及异质性研究：来自中国的证据。

Research on the impact and heterogeneity of housing on the allocation of financial assets of households: Evidence from China.

作者信息

Wu Lili, Yu Hui

机构信息

School of Economics and Management, Wuhu Institute of Technology, Wuhu, 241003, China.

出版信息

Heliyon. 2024 Jul 19;10(14):e34901. doi: 10.1016/j.heliyon.2024.e34901. eCollection 2024 Jul 30.

DOI:10.1016/j.heliyon.2024.e34901
PMID:39149017
原文链接:https://pmc.ncbi.nlm.nih.gov/articles/PMC11325784/
Abstract

This paper investigates the impact of housing with both consumption and investment attributes on the risky financial asset allocation of households, constructs Probit and Tobit models using 2019 China Household Finance Survey (CHFS) data, and proceeds to the mediation effect test and heterogeneity analysis. Results indicate that owning only one house exhibits a crowding-out effect on the risky financial asset allocation of urban households, with the degree of risk preference as the mediating effect mechanism, while owning multiple houses exhibits an asset allocation effect. Housing borrowing other than bank loans inhibits urban households from making risky financial asset allocations. The effect of housing on risky financial asset allocation is heterogeneous by income, age, and region.

摘要

本文研究了兼具消费和投资属性的住房对家庭风险金融资产配置的影响，利用2019年中国家庭金融调查（CHFS）数据构建了Probit和Tobit模型，并进行了中介效应检验和异质性分析。结果表明，仅拥有一套住房对城市家庭的风险金融资产配置具有挤出效应，以风险偏好程度作为中介效应机制，而拥有多套住房则具有资产配置效应。非银行贷款的住房借贷抑制了城市家庭进行风险金融资产配置。住房对风险金融资产配置的影响在收入、年龄和地区方面存在异质性。