我国家庭金融资产选择行为的财富分配效应研究f1fi2wgu.doc

我国家庭金融资产选择行为的财富分配效应研究 暨南大学硕士学位论文 中文摘要 近年来,随着我国社会经济水平的不断发展,家庭金融资产选择行为发生很大的变化, 由以前单一的银行储蓄逐渐向金融资产多元化趋势发展。家庭金融资产的多元化,又会产 生家庭金融财产性收入的多元化,出现利息收入、股息红利收入、资本利得和保险收益等 等种类多样的财产性收入。而这种财产性收入的获得会对居民家庭的财富积累、社会财富 分布结构产生影响,这就是本文要研究的家庭金融资产选择行为的财富分配效应。 本文首先借鉴己有的研究结果,对中国居民家庭金融资产的存量进行了估算,并总结 了我国家庭金融资产选择行为的宏观特征;其次,分别以利息收入、股息红利收入与资本 利得等三种财产性收入分析研究了居民家庭金融财产性收入对居民财富积累的影响,并比 较分析了各项家庭金融财产性收入对居民总收入的贡献度;再次,运用洛伦茨曲线和五等 分组分析法、基尼系数等测度指标统计分析了家庭金融财产性收入对社会贫富差距的影 响,得出我国家庭金融资产选择行为的变化加剧社会贫富分化的结论。最后,对本文的研 究结论做了总结,提出政策建议,并对以后的研究提出了思考。 关键词:家庭金融;资产选择;财富分配效应 I 我国家庭金融资产选择行为的财富分配效应研究 Abstract With the constant development of Chinese socio-economic level in the recent years, there was a great change occurred in the household financial asset choice behavior from the previous single bank savings gradually turned to diversification of financial assets. Diversification of household financial assets will result in diversification of household financial assets income, such as interest income, dividend income, capital gains, insurance benefits and so on. And the acquisition of such property income will impact the structure of households wealth accumulation and distribution of social wealth, which is studied in this paper as “wealth distribution effect of the household financial assets choice behaviors”This paper takes some exist research results as a reference, firstly estimates the stock of Chinese household financial assets and summarizes the macro features of Chinese household financial assets choice behavior. Secondly, it analyses the impact household financial asset income has on the household wealth accumulation respectively from three kinds of property income such as interest income, dividend income and capital gains. Then it does a comparative analysis of the contribution rate that the household financial property incomes act on to the household total income. Thirdly, using statistical measurement such as Lorenz curves, five other groups analysis, the Gini coefficient