居民财富不平等与财富分配结构调整--来自宝鸡、成都和邯郸的调查数据

摘要

This paper analyzes the urban and rural wealth inequality and strives to dig deeper reason and to judge wealth inequality,and according to the results of the quantized wealth inequality effect,adjusts and optimizes the wealth distribution structure.It is found that multiple wealth has the wealth inequality effect with different char-acter and different scale.Among these kinds of wealth,the housing wealth have the strongest effect of expanding wealth inequality,the next is financial asset wealth,durable goods and household net credit are the weakest,land and production assets could reduce wealth inequality effect.Therefore,the government should be appropriate to limit and prevent real estate and financial assets,moderate control and adjust the durables and household credit,and in-crease the land and production assets to optimize the structure of urban and rural household wealth.%从分项财富角度考察城乡财富不平等，可深入挖掘和判断财富不平等产生的原因，并可根据财富不平等效应进行量化后的结果，对财富分配结构进行调整和优化。研究发现，各分项财富造成财富不平等的作用和力度各不相同，其中，房产财富不平等的效应系数最大，金融资产财富次之，耐用品和家庭信贷净资产最小，而且，土地和生产经营性资产具有缩小财富不平等效应的作用。因此，政府应适当限制和防范房产和金融资产财富，适度控制和调整耐用品和家庭信贷净资产，并努力提高生产经营性资产和土地在家庭总财富中的比例来优化城乡家庭财富结构。