本文選題：代際投資 + 建房　； 參考：《東北財經(jīng)大學(xué)》2013年碩士論文

【摘要】：為什么中國農(nóng)民如此熱衷建房?本文從代際投資的角度對這一現(xiàn)象進(jìn)行了研究,對農(nóng)民的建房投資與教育投資及其收益率作了比較。 研究表明,由于中國農(nóng)村具有養(yǎng)兒防老的傳統(tǒng),農(nóng)民相當(dāng)一部分的建房投資以及教育投資屬于代際投資。相對于中國農(nóng)民的平均收入水平而言,建房投資和教育投資之間具有替代性,但建房支出收入彈性較低,因此建房支出很可能擠占教育支出。 這兩類投資對于社會流動也具有重要影響。建房投資大大降低了子女的社會流動能力。教育投資盡管可以增加社會流動能力,但也存在諸多風(fēng)險因素。首先,農(nóng)民面臨子女學(xué)習(xí)能力的風(fēng)險。其次,由于家庭背景等方面的因素,農(nóng)民的子女在勞動力市場上面臨日益增加的歧視,農(nóng)民的教育投資風(fēng)險往往高于城鎮(zhèn)居民對子女的教育投資。相對而言,選擇建房是更為安全的投資,雖然也存在一定的自然風(fēng)險和政策風(fēng)險,但通常發(fā)生概率較低。概括起來,從投資收益率來看,農(nóng)民教育投資比建房投資面臨更高的風(fēng)險,特別是,農(nóng)村與城鎮(zhèn)的教育投資收益差距還在進(jìn)一步擴(kuò)大。這意味著,農(nóng)民熱衷建房與農(nóng)民子女接受高等教育的機(jī)會減少,以及投資回報率降低有關(guān)。
[Abstract]:Why are Chinese farmers so keen to build houses? This paper makes a study of this phenomenon from the perspective of intergenerational investment, and compares the investment in housing construction with the investment in education and its return rate. The research shows that due to the tradition of raising children and protecting the elderly, a considerable proportion of the investment in housing construction and education belongs to intergenerational investment. Compared with the average income level of Chinese farmers, there is an alternative between housing investment and education investment, but the income elasticity of housing expenditure is relatively low, so housing construction expenditure is likely to crowd out education expenditure. These two types of investment also have an important impact on social mobility. Housing investment has greatly reduced the social mobility of children. Although educational investment can increase social mobility, there are many risk factors. First, farmers face the risk of their children's ability to learn. Secondly, due to the family background and other factors, the children of farmers face increasing discrimination in the labor market, and the risk of education investment of farmers is often higher than that of urban residents. Relatively speaking, choosing to build a house is a safer investment, although there are some natural risks and policy risks, the probability of occurrence is usually low. To sum up, from the point of view of investment return rate, farmers' education investment faces higher risk than housing investment, especially, the gap between rural and urban education investment income is still expanding. This means that farmers' enthusiasm for housing is linked to reduced access to higher education for their children and lower returns on investment.
【學(xué)位授予單位】：東北財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.48

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