中國大陸家庭債務影響因素之研究

Abstract

中國大陸家庭債務高漲，而家庭債務過度擴張，對於金融穩定性有負面影響，因此本研究以2015年中國家庭金融調查（China Household Finance Survey, CHFS）資料庫為本，首先透過探討不同背景變項、財務變項、理財變項之戶主，其家庭債務差異為何，以了解影響中國大陸家庭債務之因素。接著，討論背景變項、理財變項以及財務變項與家庭債務的相關性。最後，本研究透過多元線性迴歸分析討論各項背景變項、財務變項、理財變項對家庭債務的解釋力。研究結果發現： 一、背景變項當中「教育程度、年齡、健康狀態、黨員身份、安全感、婚姻狀況、家庭人口數、城鄉」以及理財變項當中「資產、所得」和財務變項當中「理財知識、理財態度、風險偏好、理財課程」，對家庭債務皆有顯著差異。 二、所有背景變項、財務變項與理財變項和家庭債務均存在顯著相關性。 三、預測變項當中「年齡、婚姻狀況、城鄉、資產、所得」對家庭債務有顯著解釋力。

The household debt in China is rising. As far as the excessive expansion of household debt is concerned, it has a serious negative impact on financial stability. This study referenced datas from China Household Finance Survey 2015. The first section will discuss the household debt among people in different background variables, finance variables and financial management variables to find out causes of the household debt in China. The second part will move on to the correlation among background variables, finance variables, financial management variables and household debt. The last part of this study analyze and discuss to get that explanatory power of background variables, financial variables, and financial management variables affect on household debt by using the multiple regression analysisThe results of the study found: 1. Among the background variables, "education, age, health status, CCP member, sense of security, marital status, family size, urban or rural areas" and "assets, income" among the financial variables and "financial knowledge, financial attitude, risk preference, finance course " among the financial management variables, they all have significant differences in household debt. 2. Background variables, financial variables, and financial management variables are significantly correlated with household debt.3. Among the predictors,"age, marital status, urban or rural areas, assets, and income" have significant explanatory power for household debt.