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本文采用中国健康与养老追踪调查数据(CHARLS),结合中国传统的养老文化,运用结构方程模型研究了影响老年家庭房产与风险资产配置的主要因素,并重点探讨了老年家庭资产配置中房产的资产性质。研究发现:家庭的基本特征、体现出传统养老文化的家庭性保障、社会性保障、社会互动和健康风险是影响老年家庭资产配置的重要因素,房产对于老年家庭更具有无风险资产性质。这对于加强社会性养老保障体系的建设、试点推进“以房养老”、开发针对中国老年家庭的理财产品,转变传统的养老方式具有重要的意义。
In this paper, we use the Chinese CHARLS (Health and Endurance) survey data and traditional Chinese pension culture to study the main factors that affect the allocation of assets and risky assets in the elderly family by using the structural equation model. The paper mainly discusses the assets of the elderly family asset allocation nature. The study found that the basic characteristics of the family reflect the family protection, social security, social interaction and health risks of the traditional pension culture, which are the important factors that affect the asset allocation of the elderly family. The property is more risk-free property for the elderly family. This is of great significance to strengthening the construction of a social old-age security system, piloting “housing for the aged”, developing wealth management products targeting the elderly in China, and transforming the traditional way of providing for the aged.