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本文基于中国家庭金融调查(CHFS)2013年调查数据,实证比较分析了不同消费信贷形式对城镇家庭消费行为的影响。研究发现,消费信贷对城镇家庭消费水平有显著的影响,但不同消费信贷形式的作用效果存在差异。拥有消费贷款或者信用卡的家庭消费水平都会更高,而拥有消费借款的家庭消费总量会更低。消费信贷对城镇家庭消费构成也有着不同程度的影响。各类消费信贷对家庭温饱类消费占比的影响都显著为负,而对居住类和文教类消费占比的影响大都为正。本文对于进一步发展不同消费信贷形式有着重要的政策启示意义。
Based on the survey data of China Family Financial Survey (CHFS) in 2013, this paper empirically compares and analyzes the impact of different consumer credit forms on urban household consumption behavior. The study found that consumer credit has a significant impact on urban household consumption levels, but the effect of different consumer credit forms are different. Households with consumer loans or credit cards have higher levels of household consumption, while households with consumer loans have lower total household consumption. Consumer credit also has varying degrees of impact on the composition of urban household consumption. The impact of various types of consumer credit on the proportion of family’s food and clothing consumption was significantly negative, while the impact on the proportion of consumption of living and cultural and educational categories was mostly positive. This article has important policy implications for the further development of different consumer credit forms.