住宅租擁、世代組成與家計儲蓄間關係之探討──以台灣家計收支調查為對象的分析
摘要
Taiwan has lately been noted for her astonishingly high household saving rate and housing ownership rate, and thus, it is not a surprise to know that the saving decision and the tenure choice depend greatly on the household composition. The purpose of this study is, through the analysis of detailed micro data, to examine different patterns of household saving behaviors under the interaction of various household compositions and tenure choices. Moreover, we have also attempted to estimate forced savings for households with distinct compositions. Contribution of this study is to analyze the saving decision and the tenure choice in accordance with sub-samples taken from various types of household compositions, and further prove that the household structure is crucial in determining the household behavior. Moreover, we find out that forced savings and savings are about the same for owners with loan payments; in particular, the two-generation-family owners show identical savings and forced savings. Nevertheless, about half of the savings is of forced savings for the one-generation-family renters, while only very limited savings is of forced savings for the two- and three-generation-family renters.