家庭资产负债率与家庭收入关系-《集美大学学报》（哲社版）

文章信息/Info

Title:: On the Relationship between Family Asset-Debt Ratio and Household Income

作者:: 范莉珈1; 2; 谢绵陛1; 2; （1. 集美大学财经学院，福建厦门 361021;2.集美大学海西经济运行效率与风险测评研究中心，福建厦门 301621）

Author(s):: FAN Li-jia1; 2; XIE Mian-bi1; 2; (1. School of Finance and Economics, Jimei University, Xiamen 361021, China; 2. Research Center for Economic Operation and Risk Evaluation in the Economic Zone on the West Coast of the Taiwan Straits, Jimei University, Xiamen 361021, China)

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。

Abstract:: 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. 