中國(guó)家庭金融調(diào)查報(bào)告

1、中國(guó)家庭金融調(diào)查中國(guó)家庭金融調(diào)查1中國(guó)家庭金融調(diào)查報(bào)告中國(guó)家庭金融調(diào)查報(bào)告精選精選中國(guó)家庭金融調(diào)查與研究中心中國(guó)家庭金融調(diào)查與研究中心西南財(cái)經(jīng)大學(xué)西南財(cái)經(jīng)大學(xué)目錄目錄一、數(shù)據(jù)質(zhì)量............................................................................................................................31、抽樣設(shè)計(jì)

2、......................................................................................................................32、拒訪率比較..............................................................................................

3、....................33、人口統(tǒng)計(jì)學(xué)特征..........................................................................................................4二、收入和儲(chǔ)蓄............................................................................

4、............................................51、家庭收入......................................................................................................................52、家庭儲(chǔ)蓄............................................

5、..........................................................................5三、非金融資產(chǎn)........................................................................................................................61、房產(chǎn).............

6、.................................................................................................................6（1）自有住房擁有率................................................................................................

7、......6（2）擁有住房數(shù)量..........................................................................................................6（3）人均居住面積........................................................................................

8、..................6（4）住房?jī)r(jià)值..................................................................................................................7（5）住房負(fù)債........................................................................

9、..........................................72、汽車..............................................................................................................................8（1）汽車擁有率......................................

10、........................................................................8（2）汽車品牌分布..........................................................................................................83、工商經(jīng)營(yíng).........................

11、.............................................................................................8（1）工商項(xiàng)目擁有..........................................................................................................8（2）經(jīng)營(yíng)負(fù)債...

12、...............................................................................................................8（3）信貸約束.....................................................................................................

13、.............8（4）教育與創(chuàng)業(yè)..............................................................................................................9四、金融資產(chǎn).................................................................................

14、...........................................91、金融資產(chǎn)總量..............................................................................................................92、無(wú)風(fēng)險(xiǎn)資產(chǎn)占比高...............................................

15、.......................................................93、炒股盈虧的“二八”法則............................................................................................104、炒股盈虧的年齡效應(yīng)..............................................

16、..................................................105、金融市場(chǎng)參與差異大................................................................................................116、股票市場(chǎng)參與和風(fēng)險(xiǎn)態(tài)度成正比...........................................

17、.................................127、民間金融市場(chǎng)參與城鄉(xiāng)趨同....................................................................................12五、家庭負(fù)債...............................................................................

18、...........................................12中國(guó)家庭金融調(diào)查中國(guó)家庭金融調(diào)查3一、數(shù)據(jù)質(zhì)量一、數(shù)據(jù)質(zhì)量1、抽樣、抽樣設(shè)計(jì)設(shè)計(jì)中國(guó)家庭金融調(diào)查（ChinaHouseholdFinanceSurvey，CHFS）的抽樣方案采用了分層、三階段與規(guī)模度量成比例（PPS）的抽樣設(shè)計(jì)。初級(jí)抽樣單元（PSU）為全國(guó)除西藏、新疆、內(nèi)蒙和港澳地區(qū)外的2585個(gè)市縣。第二階段抽樣將直接從市縣中抽取居委會(huì)村委會(huì)；

19、最后在居委會(huì)村委會(huì)中抽取住戶。每個(gè)階段抽樣的實(shí)施都采用了PPS抽樣方法，其權(quán)重為該抽樣單位的人口數(shù)（或戶數(shù)）。CHFS首輪調(diào)查的戶數(shù)設(shè)定為8000——8500戶。從可操作性角度出發(fā)，各階段樣本數(shù)設(shè)定如下：首先，根據(jù)城鄉(xiāng)以及地區(qū)經(jīng)濟(jì)發(fā)展水平，末端抽樣的戶數(shù)（即從每個(gè)居委會(huì)村委會(huì)抽取的戶數(shù)）設(shè)定在2050戶之間，其平均戶數(shù)約為25戶；其次，在每個(gè)市縣中抽取的居委會(huì)村委會(huì)數(shù)量為4；最后可以計(jì)算得到抽取的市縣個(gè)數(shù)約為8000（425）=80。表

20、1列出了抽取的80個(gè)市縣樣本與總體的人均GDP描述統(tǒng)計(jì)?？梢钥闯?，樣本與總體在人均GDP的分布上是非常接近的。表1：總體和80個(gè)市縣樣本人均GDP分布人均GDP均值標(biāo)準(zhǔn)差中位數(shù)Q25Q75峰度偏度總體17334.817736.9113707173202633.217.64樣本17809.219336.3113497232211433.520.41注：Q25和Q75分別表示25%和75%的分位數(shù)2、拒訪率比較、拒訪率比較表2列出了CHFS

21、與國(guó)內(nèi)外調(diào)查數(shù)據(jù)拒訪率的比較。就國(guó)內(nèi)調(diào)查而言，CHFS比LS分別低3.75%、5.22%和6.19%。需要注意的是，2008年LS的調(diào)查只涉及甘肅和浙江兩個(gè)省份，而2011年CHFS調(diào)查涵蓋25個(gè)省份，兩者的拒訪率進(jìn)行直接比較可能存在偏差。三個(gè)國(guó)外數(shù)據(jù)庫(kù)都與CHFS具有一定的可比性，其調(diào)查內(nèi)容都在不同程度上涉及到家庭的資產(chǎn)、收入和支出等，尤其是SCF，是與CHFS直接可比的調(diào)查項(xiàng)目。從表2可以看出，SCF、CEX和SHIW三個(gè)調(diào)查的拒訪