中国经济问题 ›› 2025›› Issue (03): 88-.

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家庭资产结构对家庭收入及差距的影响———基于中国家庭追踪调查的数据分析

  

  • 出版日期:2025-05-20 发布日期:2025-07-16

  • Online:2025-05-20 Published:2025-07-16

摘要:

共同富裕一直是党中央关注的重点问题本文整合利用中国家庭追踪调查2012-2020面板数据分析家庭资产结构对家庭收入及差距的影响研究发现家庭各类资产对劳动收入和财产性收入均有显著正向影响其中房产对家庭下一期财产性收入的提升同样显著而家庭金融资产则对下一期财产性收入无显著影响另外家庭资产结构对财产性收入的影响在不同区域和禀赋的家庭间有显著差异基于结论促进房地产市场止跌回稳丰富长期金融资产配置选项鼓励财富管理机构拓展长尾市场为收缩县域家庭在集聚区域购房提供金融支持加快REITs项目高质量发展将有助于全方位提升家庭财产性收入推动共同富裕实现

关键词:

共同富裕, 财产性收入, 家庭资产结构, 收入差距

Abstract:

Common prosperity has always been a key focus of the Central Committee of the Communist Party of China. This paper uses panel data from the China Family Panel Studies (CFPS) from 2012 to 2020 to analyze the impact of household asset structure on income and income inequality. The study finds that various household assets have a significant positive effect on both labor and property income, with real estate significantly boosting future property income, while financial assets show no significant effect. Additionally, the impact of asset structure on property income varies significantly across regions and households with different endowments. Based on these findings, the paper suggests that stabilizing the real estate market, enriching long–term financial asset allocation options, encouraging wealth management institutions to expand into long–tail markets, providing financial support for households in shrinking counties to purchase homes in high– density areas, and accelerating the high-quality development of REIT's will help comprehensively increase property income and promote the realization of common prosperity. 

Key words:

common prosperity, property income, household asset structure, income disparity