独占所有权、要素配置与家庭农业生产经营——基于重庆市农户家庭经营行为的实证分析

农村家庭联产承包责任制的实行塑造了家庭对各种农业生产要素的独占所有权,家庭成为农业生产要素的＂所有主体＂和＂配置主体＂。根据实证分析结果,在要素市场和家庭合作的作用下,农业劳动力和土地对农业收入有显著的正向偏效应,土地成为农业生产的硬性约束要素,劳动力存在过度流失的现象,而教育年限、农业资本则对农业生产没有显著的促进作用。因此,必须采取措施扩大家庭土地经营规模、提高人力资本回报率和促进农村劳动力的合理流动。     

The effects of risk aversion on life insurance ownership of single-parent households

This study investigates the effect of risk aversion of single-parent households with at least one child under 18 on life insurance ownership. Analysing the 1992–2013 Survey of Consumer Finances datasets, we found that the likelihood of owning term life insurance decreases as risk aversion increases, but the likelihood of owning cash-value life insurance increases as risk aversion increases. Smokers were less likely to own term life insurance but more likely to own cash-value life insurance than comparable non-smokers.     

个人所得税改革对居民消费的效应评价与完善路径

当前我国居民消费不足的最主要原因在于居民收入水平不高、国民收入分配失衡,所以2018年个人所得税改革的重点是提高费用扣除标准、调整税率结构,降低纳税人负担,增加纳税人可支配收入,提高居民消费水平。要进一步促进居民消费,个人所得税有必要继续减税,同时进一步调节收入分配差距,使收入分配更加公平。具体对策包括:将专项附加扣除中的子女教育支出范围扩大为子女养育支出,增加家庭合并征税模式,费用扣除标准指数化动态调整,进一步优化税率结构,建立负所得税制度。     

信任视角下的家庭借贷行为研究

基于2015年和2017年中国家庭金融调查数据,本文实证研究发现,信任能够提高家庭正规信贷可得性,降低家庭使用非正规信贷的概率。进一步地,信贷可得性的差异带来家庭负债结构的变化,信任能够提升家庭正规信贷占比,降低非正规信贷占比。信任提升家庭资金借出概率,但这种关系并不是单调递增的,而是存在适度信任现象。异质性分析表明,在户主文化程度低的家庭和农村地区家庭,信任对借出的影响更大。因此,本文的结果表明,信任能够在一定程度上缓解家庭融资的困难。     

The Effects of Regulating Hidden Add‐On Costs

We examine the welfare effects of price and disclosure regulation in a model where firms can shroud add‐on costs, such as penalty fees for consumer financial products. Such regulation can increase or decrease welfare even when there are no direct costs. There are, however, strong complementarities between price controls and disclosure mandates: conditional on disclosure being mandated, price controls always (weakly) increase welfare, and conditional on prices being sufficiently constrained, disclosure mandates always (weakly) increase welfare.     

基于政策情景的家庭乘用车能源回弹效应研究 ——来自长株潭城市群的调查数据

基于长株潭城市群的调查数据,测算在燃料消耗量为5.0L/100km情景下家庭乘用车的直接能源回弹效应,并采用二分类Logistic法分析影响家庭乘用车直接能源回弹效应的因素.结果表明:长株潭城市群家庭乘用车平均直接能源回弹效应为20%;不同居民家庭乘用车的直接能源回弹效应差别较大,存在超级节能、零回弹、部分回弹和回火效应;户主受教育水平、收入水平、购买新车意愿、车辆行驶里程、出行偏好等因素对家庭乘用车超级节能和零回弹效应影响显著.     

What do fiscal stimulus packages mean for household debt?

We study the links between fiscal stimulus packages during times of crisis and households' liabilities. We do so by using household-level data on income and liabilities from the Consumer Expenditure Survey, and estimating an empirical model along those in the literature on the consumption effects of these packages. We find that receiving a check from the government tends to translate into a reduction in outstanding liabilities for American households. This effect is robust to controlling for income levels and household size. The effects are driven by households whose income is below the median and by those who remain employed during the crisis.     

中国城市居民收入和储蓄增长对家庭能耗碳排放的区域异质性及政策应对

估计和预测城市居民收入变化对家庭能源消费碳排放的影响,对城市家庭消费部门构建低碳能源供应体系,应对气候变化具有重要意义。论文首先估计了中国284个地级以上城市的家庭三类能源消费的直接碳排放量,建立了面板固定效应模型来识别城市家庭能耗碳排放增长和变化的驱动因素。研究结果表明:城市居民收入的快速增长与储蓄水平的提高对于家庭碳排放有显著影响;城市家庭收入和储蓄的增加会抑制家庭燃气碳排放的产生,但对于城市家庭用电碳排放和城市家庭采暖碳排放,则表现出显著的推动作用。此外,研究还发现了家庭碳排放的影响因素存在显著的区域异质性。     

对城乡统筹户籍制度改革的思考——以成都、重庆市为例

城乡统筹的户籍制度改革在准入条件和土地制度上有创新和突破。推动了土地的规模流转和城镇化。但是同时也存在法律上的困境和一些其他问题。本文对这些有所探讨。