华东经济管理
華東經濟管理
화동경제관리
EAST CHINA ECONOMIC MANAGEMENT
2015年
3期
6-10
,共5页
财产性收入%金融资产结构%居民消费
財產性收入%金融資產結構%居民消費
재산성수입%금융자산결구%거민소비
property income%financial assets structure%residents’consumption
文章分析了我国居民收入与金融资产结构，认为我国居民消费率低的主要原因是储蓄率高以及财产性收入较低。实证结果发现：无论城镇还是农村家庭，非财产性收入均是我国居民消费需求的主要决定因素，财产性收入对消费的促进作用并不显著，原因是我国居民财产性收入在总收入中的占比较低。为提高我国居民财产性收入并扩大消费需求，认为要在增加居民财富积累的同时，让居民拥有多元化的投资与金融理财工具，优化风险性金融资产供给结构，规范金融市场发展，从而为居民持有的金融资产提供稳定收益率。
文章分析瞭我國居民收入與金融資產結構，認為我國居民消費率低的主要原因是儲蓄率高以及財產性收入較低。實證結果髮現：無論城鎮還是農村傢庭，非財產性收入均是我國居民消費需求的主要決定因素，財產性收入對消費的促進作用併不顯著，原因是我國居民財產性收入在總收入中的佔比較低。為提高我國居民財產性收入併擴大消費需求，認為要在增加居民財富積纍的同時，讓居民擁有多元化的投資與金融理財工具，優化風險性金融資產供給結構，規範金融市場髮展，從而為居民持有的金融資產提供穩定收益率。
문장분석료아국거민수입여금융자산결구，인위아국거민소비솔저적주요원인시저축솔고이급재산성수입교저。실증결과발현：무론성진환시농촌가정，비재산성수입균시아국거민소비수구적주요결정인소，재산성수입대소비적촉진작용병불현저，원인시아국거민재산성수입재총수입중적점비교저。위제고아국거민재산성수입병확대소비수구，인위요재증가거민재부적루적동시，양거민옹유다원화적투자여금융리재공구，우화풍험성금융자산공급결구，규범금융시장발전，종이위거민지유적금융자산제공은정수익솔。
By analyzing the structure of residents’income and financial assets,we believe that the main reason for the low rate of Chinese residents’consumption is higher savings rate and lower property income. The empirical re?sults show that whether urban or rural households,non-property income is the main determinant of residents’con?sumption demand,and the role of property income is not significant. The reason is the lower proportion of property income in the total income. In order to improve residents’ property income and expand consumption demand, we conclude that there should be a wide range of investment and financial tools to optimize the supply structure of res?idents’ risk financial assets, and the regulation of the development of financial market to provide a stable return rate of investment for residents’financial assets with increasing household wealth accumulation.
