Loading...
|
Please use this identifier to cite or link to this item:
https://nccur.lib.nccu.edu.tw/handle/140.119/111375
|
| Title: | 租買選擇對儲蓄行為之影響：大陸地區之實證分析 |
| Authors: | 賴柏升 |
| Contributors: | 林祖嘉
賴柏升 |
| Keywords: | 租買選擇
強迫儲蓄
家戶支出
Tenure choice
Forced saving
Households’ expenditure |
| Date: | 2017 |
| Issue Date: | 2017-07-24 12:16:16 (UTC+8) |
| Abstract: | 租買選擇對於家戶來說是一件十分重要的家庭決策。當家戶決定購屋時，由於購屋支出是一筆極大的支出，勢必會影響到家戶各方面的支出，如食衣住行育樂等。。另一方面家戶需要多儲蓄以因應未來房屋的支出。
本文根據中國家庭金融調查(CHFS)的資料，將中國的家戶分為三種租買選擇分別為租屋、買屋有貸款、買屋無貸款。首先，我們先估計中國家戶的租買選擇，接著我們利用Heckman二階段模型估計租買選擇對於中國家戶儲蓄的影響。我們發現inverse Mill’s ratio的結果為顯著說明了在估計儲蓄函數是該考慮家戶的租買選擇。另外其他家戶特性的變數也有所變化，這些結果說明了如果不將租買選擇考慮進去 儲蓄行為的估計結果會有偏誤。
Tenure choice is a very important decision for households. When the household decide to buy a house, it will have a heavily effect on the household’s spending, including food, clothes, transportation, education, and leisure, and so on. On the other hand, household have to save more money to meet housing expenses.
Applying a data set from “China Household finance Survey” (CHFS) and separating Chinese households with three types of tenure choice, namely, renters, owner-occupied with loan payment, and owner-occupied without loan payment.
First, we estimate the tenure choice of Chinese households. And then we use Heckman two-stage model to estimate how tenure choice affect household saving behavior. We find that the coefficient of inverse Mill’s ratio are significant. And the coefficient of household characters have some different from traditional model. The result show that if we don’t consider the tenure choice of household, the household’s saving behavior we estimate will be biased. |
| Reference: | 李蕾、吳斌珍(2014)，「家庭結構與儲蓄率U型之謎」，經濟研究，增1期，頁44-54。
易行建、張波、楊汝岱、楊碧雲(2012)，「家庭社會網路與農戶儲蓄行為：基於中國農村的實證研究」，管理世界，第5期，頁43-51。
林祖嘉(1994) ，「台灣地區住宅需求與租買選擇之聯合估計」，國立政治大學學報，第68期，頁 183-200。
林祖嘉、陳建良(1998)，「貸款支出與強迫儲蓄：台灣地區家計單位儲蓄行為之分析」，台灣經濟學會1998年會論文集，頁173-210。
林祖嘉、陳建良(2005) ，「租買選擇、貸款選擇、與世代組成：巢式LOGIT模型之應用」，住宅學報，第14卷，第1期，頁 1-20。
范祚軍、常雅麗、黃立群(2014)，「國際視野下最優儲蓄率及其影響因素測度─基於索洛經濟增長模型的研究」，經濟研究，第九期，頁20-33。
翁媛媛、高汝熹、饒文軍(2010)，「中國高儲蓄率部門特徵、成因及對策」，經濟學家，第3期，頁41-49。
崔斐、胡金星、周申龍(2014)，「房地產租賃市場與房地產租買選擇機制—基於發達國家住房市場的實證分析」，華東師範大學學報(哲學社會科學版)，第1期，頁121-127。
張金寶(2012) ，「城市家庭的經濟條件與儲蓄行為─來自全國24個城市的消費金融調查」，經濟研究，增1期，頁66-79。
張南(2009)，「中國的對外資金循環與外匯儲備的結構性問題」，數量經濟技術經濟研究，第9期，頁18-31。
張勛、劉曉光、樊綱(2014)，「農業勞動力移轉與家戶儲蓄率上升」，經濟研究，第4期，頁130-142。
陳建良(2007)，「1980年至2000年台灣擁屋家戶儲蓄行為之變遷：分量迴歸分析的新發現」，住宅學報，第16卷，第1期，頁57-78。
陳建良、張郁鶴(2000)，「住宅特性、世代組成與家計儲蓄間關係之探討—以台灣家計收支調查為對象的分析」，中華民國住宅學會第九屆年會論文集，頁381-404。
陳彥斌、邱哲聖(2011) ，「高房價如何影響居民儲蓄率和財產不平等」，經濟研究，第10期，頁 25-38。
陳斌開、楊汝岱(2013)，「土地供給、住房價格與中國城鎮居民儲蓄」，經濟研究，第1期，頁110-122。
彭建文(2012)，「擁屋相對成本對住宅租擁選擇之影響」，都市與計劃，第39卷，第1期，頁1-23。
趙西亮、梁文泉、李實(2014) ，「房價上漲能夠解釋中國城鎮居民高儲蓄率嗎?—基於CHIPS微觀數據的實證分析」，經濟學(季刊),第1期,頁81-102。
龍志和、周浩明(2000)，「中國城鎮居民預防性儲蓄實證研究」，經濟研究，第11期，頁33-79。
薛立敏、林佶賢、顏志龍(2009)，「台灣地區男性出生世代對住宅租擁選擇與住宅消費之影響—兼論住宅消費的世代公平性」，住宅學報，第18卷，第2期，頁 69-92。
薛立敏、陳綉里(1997)，「台灣一九八○年代住宅自有率變化之探討」，住宅學報，第6期，頁27-48。
謝勇、沈坤榮(2012)，「住宅產權獲取方式、住宅價值與城鎮居民儲蓄率」，世界經濟文匯，第5期，頁52-65。
Ahmad Nuzhat (1994), “A Joint Model of Tenure Choice and Demand for Housing in the City of Karachi,” Urban Studies, 31(10), 1691-1706.
Aizawa, Toshiaki, and Matthias Helble(2016),” Determinants of Tenure Choice in Japan: What Makes You a Homeowner?” working paper, Asian Development Bank Institute.
Boehem, T. P. and A. M. Schlottmann (2004), “The Dynamics of Race Income and Homeownership,” Journal of Urban Economics, 55(1), 113-130.
Boehem, T. P. and A. M. Schlottmann (2014), “The Dynamics of Housing Tenure Choice: Lessons from Germany and the United States,” Journal of Housing Economics, 25, 1-19.
Bourguignon F., M. Fournier, M. Gurgand(2007), “Slection Bias Corrections Based on the Multinomial Logit Model : Monte-Carlo Comparisons, ”Journal of Economic Surveys,21(3), 174-205.
Campbell John Y., and J. F. Cocco (2007), “How Do House Prices Affect Consumption? Evidence from Micro Data,” Journal of Monetary Economics, 54, 591-621.
Carter, S. (2011) “Housing Tenure Choice and the Dual Income Household,” Journal of Housing Economics, 20, 159-170.
Daniel Shefer (1990), “The Demand for Housing, and Permanent Income, in Indonesia,” Urban Studies, 27(2), 259-272.
Deaton, Angus, (1992), Understanding Consumption, Oxford Press, London.
Green, R.K., and M.J. White (1997), “Measuring the Benefits of Homeowning: Effect on Children,” Journal of Urban Economics, 41(3), 441-61.
Halvorsen, Elin(2003), “A Cohort Analysis of Household Saving in Norway,”working paper, Statistics Norway.
Heckman, J. J. (1979), “Sample Selection Bias as a Specification Error, ” Econometrica, 47, 153-61.
Hsueh Li-Min (2000), “The Relationship between Housing Price, Tenure Choice and Saving Behavior in Taiwan,” International Real Estate Review, 3(1), 11-33.
Huang Youqin, and William A. V. Clark (2002), “Housing Tenure Choice in Transitional Urban China: A Multilevel Analysis,” Urban Studies, 39(1), 7-32.
Kim, K. and J. S. Jeon (2012), “Why Do Households Rent While Owning Houses? Housing Sub-Tenure Choice in South Korea,” Habitat International, 36 101-107.
Krumm, R. K., and A. Kally (1989), “Effects of Homeownership on Household Savings,” Journal of Urban Economics, 6, 281-294.
Lee, L. F., and R. P. Trost(1978), “Estimation of Some Limited Dependent Variable Models with Application to Housing Demand,” Journal of Econometrics, 8(2), 357-382.
Marcos Chamnon, Kai Liu and Eswar Prasad(2013), “Income Uncertainty and Household Savings in China,” Journal of Development Economics, 105, 164-177
McFadden, D.(1974), “Conditional Logit Analysis of Qualitative Choice Behavior,”in Frontiers in Econometrics, P.Zarembka ed., New York: Academic Press.
Moriizumi Yoko (2003), “Targeted Saving by Renters for Housing Purchase in Japan,” Journal of Urban Economics, 53, 494-509.
Muthoka, Sila, (2015). "Household Demand for Housing in Kenya," MPRA Paper 65469, University Library of Munich, Germany.
Orazio P. Attanasio (1998), “A Cohort Analysis of Saving Behavior By U.S. Households,” Journal of Human Resources, 33(3), 579-609
Painter, G., and K. Lee (2009), “Housing Tenure Trasitions of Older Households: Life Cycle, Demographic, and Familial Factors,” Regional Science and Urban Economics, 39, 749-760.
Park, W. G., and G. Y. Kim (2006). The Effect of Educational Policy on the Housing Market,” Korea Real Estate Review, 16,147-163.
Richard K. Green , and Patric H. Hendershott, (2001) “Home-ownership and Unemployment in the US,” Urban Studies, 38(9), 1509-1520.
Seko Miki, and Kazuto Sumita(2007),” Japanese Housing Tenure Choice and Welfare Implications after the Revision of the Tenant Protection Law,” Journal of Real Estate Finance and Economics, 35, 357-383.
Tachibanaki, T. (1994), "Housing and Saving in Japan," in Housing Markets in the United States and Japan,” University of Chicago Press, Chicago, Chapter 7.
Tachibanaki, T., and K. Shimono(1986) "Saving and Life-Cycle: A Cohort Analysis," Journal of Public Economics, 31, 1-24.
Wang, Y.,and O. Toshio (2015), “Do Institutional Factors Influence Housing Decision of Young Generation in Urban China: Based on A Study on Determinants Of Residential Choice in Beijing,” Habitat International, 49, 508-515.
Yoshikawa, H., and F. Ohtake (1989), “An Analysis of Female Labor Supply, Housing Demand and the Saving Rate in Japan,” European Economic Review, 2, 999-1023.
Zhou,J (2011), “Uncertainty and Housing Tenure Choice by Houssehold Types: Evidence from China,” China Economic Review, 22(3), 408-427. |
| Description: | 碩士
國立政治大學
經濟學系
104258035 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0104258035 |
| Data Type: | thesis |
| Appears in Collections: | [經濟學系] 學位論文
|
Files in This Item:
| File |
Size | Format | |
|---|
| 803501.pdf | 1309Kb | Adobe PDF2 | 37 | View/Open |
|
All items in 政大典藏 are protected by copyright, with all rights reserved.
|
