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通过挖掘中国家庭金融调查数据库(CHFS),运用计量模型进行实证检验,研究结果表明,婚姻对于风险资产参与具有正向影响,即已婚者比单身者更倾向于投资风险资产;随着教育程度的提高,风险资产参与率提高;家庭人口数对风险资产(房产)参与率有显著正向影响,对股票参与率有显著负向影响;女性比男性更多地参与风险资产;已婚者比单身者更倾向于投资性房产,男性更多地参与投资性房产;当综合考虑其他变量的影响时,发现已婚女性决策者比单身女性决策者更少地投资风险资产;在不同年龄分组情况下,婚姻状况对风险资产参与度有显著影响;在每个教育程度分组中,已婚都比单身更多地参与风险资产。
By mining China Family Financial Survey Database (CHFS) and using the econometric model for empirical test, the results show that marriage has a positive impact on the participation of risky assets, that is, married people are more inclined to invest in risky assets than single persons. With the education level , And the participation rate of risky assets increased. The family population had a significant positive impact on the participation rate of risky assets (real estate), and had a significant negative impact on the stock participation rate. Women were more involved in risky assets than men. Married people’s ratio Singletons prefer to invest in real estate and men are more involved in investment real estate. When considering the impact of other variables, married women find fewer risky assets than single female decision makers. When they are grouped into different age groups , Marital status has a significant effect on participation in risky assets; married groups are more involved in risky assets than singles in each education level group.