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借贷、投资行为对家庭消费影响的动态分析——基于现金流量模型的视角
朱文霞,胡艳
0
(铜陵学院;安徽大学)
摘要:
借贷、投资行为对家庭消费具有重要影响,理清其中关系,有利于建设消费型经济。利用微观数据构造家庭现金流量表,将现金流分为经营、投资和筹资三类,分别与家庭日常收支、投资与借贷行为相对应,对现金流的实证结果表明借贷与投资行为都明显促进了家庭消费。在投资行为中,房地产投资对消费影响最大,金融投资影响微弱;借贷行为对消费具有带动作用,但不是体现在需求弹性最小的日常生活消费上;投资、借贷行为是通过增加家庭净资产和提升幸福感来实现对消费的拉动。
关键词:  现金流量  家庭消费  借贷  投资
DOI:
基金项目:安徽省高校人文社会科学研究重点项目“皖江区域影子银行规范发展研究”(SK2017A0523);铜陵学院校级科研一般项目“安徽省家庭借贷、投资行为对消费影响的动态分析”(2017tlxy06)
A Dynamic Analysis of Influence of Lending and Investing on Household Consumption: From the Perspective of Cash Flow Model
ZHU Wenxia,HU Yan
(Tongling University;Anhui University)
Abstract:
Both lending and investing have an important influence on household consumption. A clear understanding of the relationships between the two is helpful to build a consumptive economy. By using microdata, this paper made cash flow statement, and divided cash flow into three types, namely operating, inverting and financing, which are corresponding to household income and expenditure, investing and lending respectively. The results of this empirical study show that both lending and investing significantly promote household consumption. With regard to investing, investment in property has the greatest impact on household consumption, but investment in finance weaker; as for lending, it is a driving force for household consumption, but it is not embodied in the living consumption, which is of the least demand elasticity; and by increasing household net worth and improving family happiness, lending and investing pull up household consumption.
Key words:  cash flow  household consumption  borrowing  investing

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