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中文摘要：
住宅权属差异导致了家庭住宅财富差异，进而影响了家庭消费偏好。本文基于一个非住宅耐用品消费决策的随机最优控制模型，采用1991--2006年CHNS数据并运用动态面板数据模型，考察了家庭住宅权属差异对耐用品消费的影响。本文的主要发现是，同理论预期一致，自有住宅家庭的耐用品消费明显高于租住房屋家庭，而且住宅权属消费效应随着家庭脆弱性增强而下降。本文的政策含义是要通过降低家庭脆弱性、创新保障性住房分配模式来缩小居民住宅权属差异和促进消费增长。
英文摘要：
Housing tenure inequality induces the difference of housing finance which affects the consumption preference. Based on a stochastic model of non-housing consumption, this paper empirically analyses the effects of housing tenure inequality on durable consumption using China Health and Nutrition Survey （CHNS）data and dynamic panel model. The results show that the family of house owner had a high consumption preference than the renter family, as predicted by economic models. We also find that the consumption effect of housing tenure became weak with the increase of family vulnerability. These results suggest that for reducing the difference of housing tenure between different kinds of families, government must hold the policy of decreasing family vulnerability and innovate in the allocation model of indemnificatory house.
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