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This paper uses household data of CHFS 2012 to discuss the demographic effects of Chinese urban families on the choice of assets and debts. We use the standard probit model to test the determinants of family's assets and liabilities and the Tobit model to analyze the determinants of the amount of household assets and liabilities. The independent variables of the models mainly include family population, and family head's age, gender, education level, health, party, ethnic and etc. According to results of regression analysis, family head's age is negatively related to debts; the education level and income of family head, and family population, etc. are positively related to family assets and debts; the ethnic and family assets show a significant negative correlation.

Demographic Effects on Assets Selection and Debts of Chinese Urban Households