自2002年中共十六大訂定的2020年「全面建設小康社會」之後，恩格爾係數在中國大陸社會經濟領域的地位就大為升高，儼然成為確定生活水平最常用的標準，各地區、省市無不爭相報導本地生活水平已到了「小康」或者「富裕」階段。隨著恩格爾係數受到人民以及地方政府、媒體關注程度提高，更多的質疑也伴隨而來。本碩士論文的研究目的有二：第一，尋找影響中國大陸城鄉恩格爾係數起伏的因素；第二，這些因素影響程度的多少。 就實證結果而言，食品價格指數、依賴比與城鎮恩格爾係數成正向關係；實質收入、物價指數、耐用品消費支出、房地產價格指數、醫療、衣著、教育消費支出與恩格爾係數成負向關係。農村居民方面，實質收入、食品價格指數、房地產價格指數與恩格爾係數成正向關係；物價指數、依賴比、耐用品、醫療、教育、衣著支出與恩格爾係數成負向關係。 由於影響城鄉恩格爾係數的因素各不相同，如果要優化城鎮的消費結構、提高人民生活水平，則應從耐用品消費、教育等支出項目著手，收入已經不是影響城鎮居民恩格爾係數的重要因素；而要提升農村的消費結構及生活水平，則應更注意提高農民收入、注意食品價格指數的起伏，這比成天宣稱恩格爾係數降到多低、達到甚麼階段，更能幫助提升人民的生活水平。然目前中國大陸仍以恩格爾係數最為影響人民生活水平唯一指標，如果沒有輔以其他指標，這對於評價人民生活質量，將有如以管窺豹，無法窺得全貌。 / The importance of Engel's coefficient in Mainland China, has been put on the table since 2002. After the The Sixteenth National Congress of the CPC , ‘Build a Well-off Society in an All-Round Way’has become the main goal in socio-economic area in Mainland China. The position in the area would greatly increase, becoming the most commonly used criteria for determining standard. City are all competing to coverage of local standard of living has come to a "well-off" or "off" stage. As the Engel's coefficient by the people, as well as local governments, higher levels of media attention, more questions are followed. The purposes of this paper are: looking for the factors in Mainland China of urban and rural Engel’s coefficient ups and downs; and how much impact these factors. The empirical result shows: FCPI, dependent ratio, have positive effects on Engel’s Coefficient in the urban; and real income, CPI, PIRE, household facilities, medicine, clothing, education expenditure, have the negative effect. In rural area, real income, FCPI, PIRE, have the positive effect on Engel’s Coefficient; and CPI, dependent ratio, household facilities, medicine, clothing, education expenditure, have the negative effect. To sum up, there are different factor to affect Engel’s Coefficient in urban and rural area. And Engel’s Coefficient is not the only indicate showing the level of people’s living. We should use more indicates to estimate living standard.

2006年，中國大陸國務院將天津定位為北方經濟中心，天津的金融發展加速，金融機構家數及存貸款餘額不斷增加。當金融市場完善，有助降低交易成本使資金的融通管道暢通，居民可透過金融市場融通資金來從事更多消費，因此本研究目的為探討金融發展是否也是影響居民消費及恩格爾係數的因素。 本研究以金融深化程度及銀行效率指標兩項金融發展指標，來衡量天津的金融發展程度。實證結果顯示，短期下實質人均儲蓄、都市化程度對居民消費有負向影響；物價指數、實質人均GDP、實質人均可支配年收入與金融深化程度對居民消費有正向影響，銀行效率則對居民消費無影響；而長期下，實質人均儲蓄與都市化程度對消費有負向影響，物價指數、實質人均可支配年收入及銀行效率對消費有正向影響，金融深化程度及實質人均GDP則與居民消費無影響。 在恩格爾係數方面，短期下依賴比、實質人均可支配年收入對居民消費有負向影響；金融深化程度、都市化程度對居民消費有正向影響。長期下金融深化程度對恩格爾係數無影響，但銀行效率卻對恩格爾係數有正向影響。依賴比與實質人均可支配年收入呈負向關係，但金融發展程度與銀行效率對居民消費確實有促進作用。最後本研究建議天津政府除了積極促進消費的同時，也應致力於提高居民實質人均可支配年收入水準及提高銀行資金運用效率。 / In 2006, The State Council in China set Tianjin as the economic center in the northway of China., the financial development in Tianjin has speeded up. The numbers of the financial institutions and the balance of deposit and loan have risen up. When the financial market becomes mature that will reduce the transaction cost and consumers will have more financial accesses and opportunities to finance. Therefore, this paper is aimed to discuss whether the financial development is a factor that influence the consumption and Engel’s coefficient or not. This paper used two financial development indicators to measure the financial development in Tianjin- Financial irrelevant ratio (FIR) ,and bank efficiency. The empirical results shows that real personal savings, and urbanization have negative influence on consumption whereas the price index, real GDP per capita, real personal disposal income and financial irrelevant ratio have positive influence on consumption and banking efficiency has no influence on consumption in the short run. In the long run, however, real personal savings and urbanization have negative influence on consumption but price index, real personal disposal income and banking efficiency have the positive influence on consumption. But financial irrelevant ratio and real GDP per capita have no influence on consumption. In the Engel’s coefficient aspect, dependency ratio and real personal disposal income have negative influence. The Financial irrelevant ratio, urbanization and food price index have positive influence in the short run. In the long run, financial irrelevant ratio has no significant influence on Engel’s coefficient but banking efficiency has positive influence on consumption. Dependency ratio and real personal disposal income have negative influence on consumption. Therefore, this paper finds out that the FIR and the bank efficiency have pushed up the consumption in the short run and long run respectively. This paper recommends that the Tianjin’s government should not only to push up the consumption but also should be dedicated to raise up the personal disposal income and banking efficiency.