居民消费、流动性约束和居民个人消费信贷的实证研究

被引：41

作者：

赵霞 ^{[1
]}

刘彦平 ^{[2
]}

机构：

[1] 中国农业大学经济管理学院

[2] 中国社会科学院财贸所

来源：

财贸经济 | 2006年 / 11期

关键词：

居民消费; 流动性约束; 消费信贷; 消费增长率;

D O I：

10.19795/j.cnki.cn11-1166/f.2006.11.010

中图分类号：

F832.479 [个人信贷]; F224 [经济数学方法];

学科分类号：

1201 ; 020204 ; 0701 ; 070104 ;

摘要：

本文利用1978—2004年城镇居民人均消费支出和人均可支配收入数据对我国居民消费和流动性约束之间的关系进行了实证研究。数据分析结果表明：我国居民受流动性约束的程度明显偏高；从1999年我国大力发展居民个人消费信贷业以来,消费信贷的发展在一定程度上缓解了流动性约束的程度,促进了我国居民消费增长率的提高。

引用

页码：32 / 36

页数：5

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