关键词: 收入不平等 , 家庭借贷行为 , 社会地位 , CHFS

Abstract:

Using the data of 2011 China Household Finance Survey (CHFS), this paper investigates the effect of income inequality on household debt and verifies the existence of households motivation borrowing for social status in ChinaOur research results show as follows:(1) Income inequality is not a major factor whether the household to borrow or not, but it can cause the inhibition of the scale in debt(2)The broaden of income inequality does not make lowincome families attempt to seek loans or enhance the size of household debtChinese family has no motives for pursuing a higher social status to borrow(3) The broaden of income inequality benefits the highincome families to get more formal financial borrowingLowincome families will be more dependent on the informal financial borrowing(4) The demographic characteristics of the head of household, economic characteristics of households and their locations are the important factors that affect household borrowing behavior, and there are more obvious differences between factors that influence the formal finance and informal finance borrowing.

Key words: income inequality , household borrowing , social status , CHFS