社会基本医疗保险对家庭消费的影响

文章利用北京大学CFPS调查2010、2012年两期平衡面板数据,以双重差分-倾向匹配法构造了反实事分析框架,估计基本医疗保险对家庭消费支出的影响。研究结果显示,医保政策对于居民消费具有促进作用,医保带动农村消费的同时也加重了农村家庭医疗支出负担;从分收入层次看,医保对于农村低收入家庭的消费支出正向影响显著且大于城镇低收入家庭。     

文化消费推动我国消费增长及其结构改善吗?--基于省际面板数据的实证研究

本文结合我国2002-2013年跨省面板数据实证分析后发现,文化消费不仅有助于我国总消费水平提升,也显著改善我国消费的内部结构,突出表现为消费的服务化特点快速发展。在收入增长保证各类消费支出的“包容性”增长之下,文化消费并没有造成对非耐用品和耐用品消费支出显著的“挤出效应”。随着我国“收入倍增”计划带来长效收入增长机制作用的持续释放和社会保障体制改善带来居民预防性动机下过度储蓄的降低,文化消费通过关联作用下的“挤入效应”继续带动相关非耐用品和服务消费支出的增长。     

政府公共文化支出对家庭文化消费的影响研究——基于中国家庭追踪调查的分析

政府在促进文化消费中发挥重要作用。基于中国家庭追踪调查(CFPS)2014年和2016年的家庭经济数据,利用Tobit模型实证分析了政府公共文化支出对家庭文化消费的影响,以及该影响在城镇和农村家庭、不同收入水平家庭中表现出的异质性。研究表明:政府公共文化支出增加有助于提高家庭文娱支出占比,且在缩尾处理和更换关键变量的稳健性检验中,核心结论仍然成立;但是,政府公共文化支出对文化消费的挤入效应主要局限于城镇家庭及中低收入家庭,对农村家庭、低收入和中高收入家庭的刺激作用不显著。应继续扩大文化事业财政支出规模,优化公共文化服务资源配置,重点扶持农村文化娱乐消费,同时提高文化产品和服务供给质量。     

Culture and consumption expenditure patterns: comparison between Korean and United States households

Abstract The purpose of this study was to identify household consumption expenditure patterns in the US and to determine if these patterns are different from those of Korean households. Data were cluster analysed, and the results revealed four different consumption expenditure patterns for US and Korean households. Logit analysis showed that consumption expenditure patterns of households in both countries are likely to vary depending on socioeconomic factors. Similarities and differences in consumption expenditure patterns between cultures are discussed, and implications are provided.     

我国家庭信贷状况研究：基于CHFS微观数据的分析

文章利用中国家庭金融调查2013年发布的调查数据,分别构建非参数次序probit模型和Heckman模型检验了影响城乡家庭信贷约束状况和贷款可得性的相关因素。结果表明,户主受教育程度和家庭收入水平提高、家庭资产规模增加等都能缓解家庭的信贷约束,户主的党员身份、大学以上的受教育程度以及家庭资产规模等能提高家庭的贷款可得性,户主年龄、风险偏好等变量对家庭信贷规模的边际效应显著为负,而尽管城市家庭和东部地区家庭获得的贷款支持更多,但是城市家庭和东部地区家庭还是面临着更大信贷约束。     

Social class: a multivariate analysis of its effect on expenditures for household services

Multivariate statistical techniques were used to explore two major conceptual issues in consumer behaviour research involving social class: (1) the importance of income, as compared to social class, in determining household behaviour, and (2) the effect of the status of wives on the behaviour of their households. A subsample of expenditure data, collected from 5,994 husband-wife families, as part of the 1973 Consumer Expenditure Survey, was used in the analysis. The dependent variable was expenditures for household services. The independent variables included total consumption expenditures (a proxy for income), the status of the wife, the status of the husband, family type, location, and characteristics of the dwelling. The results of an Ordinary Least Squares regression procedure demonstrated that total consumption expenditures were the most important variable in determining expenditures for household services. The size of the effect of the status of the wife was comparable to that of the status of the husband. In both cases, the effect was significant but small.     

Education and the empowerment of women in household decision‐making in Spain

It was analysed whether investment in the education of both women and men serves to empower wives resulting in more balanced household decisions being taken on matters related to consumption and financial management. They considered that household decision‐making could be made by mainly the wife, mainly the husband or the couple acting jointly. They then applied multinomial probit models to the Spanish Living Conditions Survey of 2010. Results show that, when controlling for demographic, family and labour market characteristics, the level of education of both the husband and wife has a positive effect in terms of a more egalitarian decision‐making process in relation to three areas of expenditure: daily shopping, expensive purchases of consumer durables and significant expenditure on children. However, only women's education has a positive effect on borrowing money and no effect of education is observed with regard to the use of savings. Results are less conclusive for households where decisions are taken primarily by the wife or husband, since men's education increases the role of husbands in the household making‐decision process whereas no effect of wives' education is observed.     

Household indebtedness,financial frictions and the transmission of monetary policy to consumption: Evidence from China

This paper studies the impact of household indebtedness on the transmission of monetary policy to consumption using the Chinese household-level survey data. We employ a panel smooth transition regression model to investigate the non-linear role of indebtedness. We find that housing-related indebtedness weakens the monetary policy transmission, and this effect is non-linear as there is a much larger counteraction of consumption in response to monetary policy shocks when household indebtedness increases from a low level rather than from a high level. Moreover, the weakened monetary policy transmission from indebtedness is stronger in urban households than in rural households. This can be explained by the investment good characteristic of real estate in China.     

Household norms and their role in reducing household electricity consumption

Researchers have only recently begun to investigate the role of the norms of the household or family group in energy‐efficiency decisions. These researchers have demonstrated that these norms can influence the behaviour and attitudes of children within the household. We contribute to their findings by providing a characterization of the use of household norms in household decisions about electricity efficiency. For our qualitative research, we conducted focus groups with three different household types: (1) share houses/young couples with no children; (2) households with children; and (3) empty nest/elderly households in three regional centres in New South Wales, Australia (total of 76 respondents in nine focus groups). Specifically, we found that household norms were evident in the decision‐making process through rules and expectations about behaviour and the use of sanctions to enforce or shaped that behaviour. We identified several drivers of household norms including a household member taking the role of ‘efficiency champion’ and the occurrence of critical incidents in the household. In addition, we found that household members try to establish household norms to socialize household members with the goal of the intergenerational transmission of desirable behaviours. Based on these observations, we conclude that household members employ norms to regulate and reduce their electricity consumption, and as a mechanism for consumer socialization. As such, our findings are important for marketers and policy makers tasked with regulating household consumption.     

Out‐of‐Pocket Health Care Expenditure Patterns and Financial Burden across the Life Cycle Stages

This study examines out‐of‐pocket health care expenditure patterns of households and the financial burden of health care costs over the stages of the household life cycle, using the 1995 Consumer Expenditure Survey. The elderly households not only spend more for health care, but they also experience higher financial burdens than other households. Insurance status, liquid assets, life cycle stage, household size, education, and self‐employment status are significant factors affecting the household budge share of health care expenses.     

Status consumption and ethnicity in Bolivia: evidence from durables ownership

The ‘compensatory consumption’ hypothesis advanced by Caplovitz in 1967 predicts that households facing racial or ethnic discrimination tend to spend heavily on socially visible consumption goods to make up for their low‐status position in society. This paper provides an empirical test of this prediction in Bolivia, where people of indigenous origin face social exclusion. Using recent household survey data, we examine whether low‐income households of indigenous origin overspend on socially visible durable goods relative to equally poor, non‐indigenous households. We find a marked difference in the propensity for compensatory consumption between the two largest indigenous groups in Bolivia.     

赡养上一辈对中年家庭发展能力的影响路径——基于CFPS家庭配对数据的分析

利用2016年CFPS数据,从微观家庭视角,采用结构方程模型探讨多元化养老情境下赡养上一辈对中年家庭发展能力的影响路径。实证分析表明,老人的经济能力、衰老特征、失能情况三个变量对子代家庭发展能力的联合解释力为82%。老人经济能力的中介作用十分显著,且对衰老特征影响子代家庭发展能力具有遮掩效应,导致衰老叠加风险被子代家庭和公共政策所忽视。不同出生队列、育儿类型、城乡家庭群组在"失能情况通过老人经济能力影响家庭发展"这条路径上表现出明显的差异。失能引起城市老人由"小家庭"向"大家庭"的聚合,农村则相反。实施更加精准的家庭支持政策需综合考虑老人经济能力、衰老特征变化规律、失能情况以及子代家庭脆弱性。     

DEMAND THRESHOLD,ZERO EXPENDITURE AND HIERARCHICAL MODEL OF CONSUMER DEMAND

Consumer expenditure surveys often show households reporting zero consumption of some commodities. Three reasons for this are recognized in the literature: (i) infrequency of purchase, (ii) a strong brand preference for differentiated products and (iii) misreporting. However, sometimes the number of households reporting zero consumption is seen to decline with income. To capture this phenomenon, which does not fall into any of the categories mentioned above, we propose a hierarchical preference structure and identify a class of recursive utility functions representing this structure. An empirical illustration based on Indian consumer expenditure data is provided.     

Consumption levels of households based on expenditure and household production

The distribution of consumption is the relative ranking of households with regard to their consumption level. This article discusses the possibilities and some of the problems in measuring consumption levels by combining expenditure and household production into one total figure. The feasibility of our approach is illustrated by using data from the Dutch 1980 budget survey and the 1980 time use study. The findings show that this total figure differs more between households of different size than between households by stage of life cycle or by income level.     

基于凯恩斯消费函数的中美消费差异实证分析

本文将1986—2005年中国、美国消费与收入的相关数据与凯恩斯绝对收入假说理论进行了实证分析,对计量模型进行了参数估计和检验,通过建立居民的消费收入模型,得出了我国居民平均边际消费倾向低于美国居民的结论,并对如何鼓励消费政策提出了相应政策建议。     

Domestic fuel expenditure and payment of fuel allowances

The allocation of additional requirements for heating to households on supplementary benefit (SB) has been challenged recently. Some households receiving an addition spend less on fuel than others which do not. The fuel expenditure of any household on SB is likely to be constrained by income and may reflect ability to pay rather than need. A group of households with zero or close to zero income elasticity for fuel expenditure is identified. The expenditure on fuel of these households can be considered not to be constrained by income and to reflect the real costs of maintaining a warm home in given circumstances. Their expenditure is then used to indicate how fuel allowances might be better targeted.     

Socio‐demographic determinants of gambling participation and expenditures: evidence from Malaysia

This study examined the socio‐demographic determinants of participation and expenditure decisions on gambling among non‐Muslim households in Malaysia using data from the 2005–2006 Malaysian Household Expenditures Survey. Heckman's sample selection analysis was used to obtain consistent (unbiased) empirical estimates for the regression equation of gambling expenditures in the presence of censoring (observed zeros) in the dependent variable. Marginal effects were also calculated to further explore the effects of socio‐demographic variables on the probability and levels of gambling expenditures. The results indicated that non‐Muslim households in Malaysia who are more likely to participate and spend more in gambling include Chinese, affluent, male‐headed, younger and non‐white collar households. Specifically, households of Chinese descent have higher gambling probabilities and expenditures than Indians and those of other ethnic backgrounds. While education reduces and age increases the likelihood and expenditures of gambling among Chinese households, these effects are non‐extant for Indians and other ethnic groups. Higher income and male‐headed households were more likely to partake and have higher expenditures in gambling among all non‐Muslim ethnic groups. Finally, Chinese and Indian households headed by a white‐collar worker have lower gambling likelihoods and unconditional expenditures than their blue‐collar cohorts. Based on these results, several anti‐gambling policies were suggested to target those more likely to participate and spend more in gambling activities.     

HOUSEHOLD PRODUCTION AND MARKET EMPLOYMENT: DUAL AVENUES OF CONSUMER BEHAVIOUR

A theoretical model of the economics of production and consumption within the household is developed into an empirical path model. With data from a representative Iowa sample the impact of household production on expenditure patterns is examined with estimates of the implied income equivalence or marginal value of nonmarket production.     

Choices and using of washing machines in Chinese households

Rapid urbanization and improvement in living standard skyrocket the demand for washing machines in Chinese households, especially in urban households. This paper discusses the owning rate of different types of washing machines, using frequency, load capacity, factors affect choices of washing machines, etc. in Chinese households and suggest possible strategies in choosing washing machines considering economic expenditure. Quantitative information relates to choice and use of household washing machines was collected through in‐depth interview of the key person who carried out household laundering. A total of 993 households that were randomly selected in eight provinces and a municipality were successfully interviewed. Impeller washing machine is still in a dominate place whereas drum washing machine increasing steadily. Households with higher income tend to buy drum washing machines for their better performances in detergency and superior quality. Load capacity between 4 and 6 kg is very common at present. Larger load capacity is a trend of washing machine choices in Chinese households. Washing machine with better energy efficiency is more popular for its lower expenditure in use. This is more obvious for drum washing machine. Washing machines are often used once every 1 or 2 days in summer, whereas one wash per week and two washes per week are very common in winter. Consumer will expend much more money with the choice of a drum washing machine, not only for paying for the machine, but also for the consumed electricity and water and wastewater discharges in every use.     

子女迁移背景下代际支持对农村老人生理健康的影响

利用相关跟踪调查数据,采用个体增长模型,结合农村实际状况,考察代际支持对农村老人生理健康的纵向影响。获得经济支持和日常照料对老人生理健康的发展有显著影响,提供经济支持和日常照料对老人生理健康的发展也有一定的显著影响,体现了代际支持对健康的选择效应和用进废退理论。在经济和健康的允许下,利他行为有利于老人生理健康的发展。"享清福"的观念有待思考。生活满意度和抑郁能够直接或通过代际支持间接地影响老人生理健康的发展。