本文从家庭责任伦理的角度对普通城镇家庭的住房保有实践进行考察。基于对福建地区有着不同生活经历、工作情况和婚育状况的家庭的访谈发现，普通城镇家庭住房保有的内在动力仍是以家庭稳定延续的责任伦理为基础的，这种动力不仅能在家庭生命周期中进行积累，也能在城镇化进程中持续调适。同时，家庭责任伦理还构成了保有住房的价值来源，延展了弹性预算的策略集合，塑造了资产评估的主观标准，从而生成了独特的家庭住房保有经济实践逻辑。这些发现有益于进一步理解家庭在中国经济社会变迁中的重要位置。

This study analyzes the practices of home ownership among ordinary urban families from the perspective of family responsibility ethics. Through interviews with families with different life experiences, working situations and marital status in Fujian, this study finds that ordinary urban families' motivation to own a house derives from the ethical responsibility of family stability and continuity. This motivation can not only accumulate over the family life cycle but also continuously adapt itself in the process of urbanization. Moreover, the family responsibility ethics also constitute the value source of home ownership, extend the strategy set of flexible budgeting, shape the subjective criteria for asset evaluation, and thus generate a unique economic logic of home ownership practice for urban families. These findings contribute to a deeper understanding of the important role of family in China's socio-economic transformation.

本文受国家社会科学基金项目“家庭生活中的公共性基础及其关联机制研究”（22CSHO26）的支持。

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