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家庭金融作为微观金融的重要组成部分,正逐渐成为金融学的一个重要研究领域,其研究内容涵盖住房资产和金融财富、负债和信贷约束、收人和支出、社会保障和保险、代际转移支付、人口特征和就业、支付习惯等。在中国社会转型的重大时期,进行有关家庭金融的学术探讨具有重要意义。西南财经大学中国家庭金融调查与研究中心于2011年在全国25个省80个县的320个社区,采集到8438个家庭的微
As an important part of micro-finance, family finance is gradually becoming an important research field of finance. Its research covers housing assets and financial wealth, debt and credit constraints, income and expenditure, social security and insurance, intergenerational transfer payment , Demographic characteristics and employment, payment habits, etc. In the important period of social transformation in China, it is of great significance to conduct academic discussions on family finance. South China University of Finance and the China Family Financial Survey and Research Center collected 8,338 micro-families in 320 communities in 80 counties of 25 provinces in 2011