房屋拆迁事件在快速发展的国家极为普遍,但其对于当事家庭经济行为产生影响的认识还不能仅仅停留在一般经验感知的层面,其作用机理、影响因素需要深入分析,作用效果也需要检验,以利于指导、引导家庭合理管理相关财富,也为政府部门的相关工作提供理论参考,促进社会和谐、稳定发展.因此,基于心理账户和资源保存理论,本文利用2011年《中国家庭金融调查》微观数据,实证考察房屋拆迁对家庭消费的影响机制.在排除样本自选择问题的基础上,经实证检验得到的稳健研究结果表明:房屋拆迁显著提高家庭的消费,即拆迁家庭的消费显著高于非拆迁家庭.但是,该影响作用不仅受到家庭财富的显著正向调节,而且受到健康状况的显著正向调节.进一步的异质性研究表明:相对于非拆迁家庭,房屋拆迁显著提高有房拆迁家庭的消费,却并未显著提高无房拆迁家庭的消费.%Based on the Theory of Mental Account and Conservation of Resources Theory, this paper uses the data of"China Household Finance Survey"in 2011 to examine the impact and mechanism of house demolition on family con-sumption. On the basis of the problem of eliminating the sample self-selection, the robust research results obtained by the empirical test show that house demolition significantly increases the level of family consumption. That is, the con-sumption of demolition family is significantly higher than that of non-demolition family. However, family wealth and health have a significantly positive regulating effect on the relationship between house demolition and family consumption. Through further heterogeneity research,this paper also finds that relative to non-demolition families,housing demolition significantly improves the consumption of relocate households with houses, but does not significantly increase the con-sumption of relocate households without houses.This paper analyzes the impact of house demolition on family consumption from the perspective of sociology, economics and psychology, reveals its impact mechanism, provides new insights for human economic behavior and results,and fills the existing theoretical vacancies. At the same time,the findings of this paper have important reference value and guiding significance for the government to formulate consumption policies and promote economic growth.
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