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代际差异视角下子女性别对家庭资产结构的影响

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本文研究了子女性别对家庭资产结构的影响及其代际差异.整体来看,子女性别对家庭资产结构产生显著影响并存在代际差异.男孩家庭具有较高的住房资产比和较低的金融资产占比,同时风险规避意识提高,风险资产占比较小.随着经济社会的发展,男女趋于平等,子女性别对于家庭资产结构的影响减弱.机制分析表明,子女性别通过偏向男孩的"婚姻支付"以及"养老保险"影响家庭资产结构及其代际差异.
The Impact of Gender Differences on Family Asset Structure from the Perspective of Intergenerational Differences
This paper examines the impact of children's gender on family asset structure and its intergenerational differences.Overall,the gender of children has a significant impact on household asset structure and there are intergenerational differences.Boys'families have a higher proportion of housing assets and a lower proportion of financial assets,while risk aversion awareness increases and risk assets account for a smaller proportion.With economic and social development,men and women tend to be more equal,and the impact of children's gender on household asset structure is weakened.Mechanistic analysis shows that the gender of the children affects the family asset structure and its intergenerational differences through"marriage payment"and"pension insurance"in favor of boys.

Gender of ChildrenFamily Asset StructureIntergenerational Differences

周华东、林蔓

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合肥工业大学经济学院,安徽合肥 230009

子女性别 家庭资产结构 代际差异

国家社会科学基金一般项目

22BJL071

2024

上海金融
上海市金融学会

上海金融

CSTPCDCHSSCD北大核心
影响因子:0.912
ISSN:1006-1428
年,卷(期):2024.(5)