居民家庭金融资产选择的实证研究  

The Experimental Analysis of Household's Choice of Financial Assets

作　　者：史代敏[1] 宋艳[2] 

机构地区：[1]西南财经大学统计学院 [2]中国银联股份有限公司沈阳分公司

出　　处：《统计研究》2005年第10期43-49,共7页Statistical Research

基　　金：国家社会科学基金资助项目(批准号:05BJT009)的阶段性研究成果。

摘　　要：Residents’ financial assets are main components of a nation’s savings.In the one hand,they are the source of capital for the expanding reproduction,and in the other hand,they are essential factors to decide residents’ living standard.The thesis gives theoretical analysis from micro point of view to the causes that help forming the residents’ financial assets,and the factors that affects the volume and structure of a family’s financial portfolio;and then constructs the econometrical model of volume and components of a family’s financial assets.In the case of Sichuan province,the thesis conducts empirical research,and reached some conclusions.Residents＇ financial assets are main components of a nation＇ s savings. In the one hand, they are the source of capital for the expanding reproduction, and in the other hand, they are essential factors to decide residents＇ living standard. The thesis gives theoretical analysis from micro point of view to the causes that help forming the residents＇ financial assets, and the factors that affects the volume and structure of a family＇s financial portfolio;and then constructs the econometrical model of volume and components of a family＇s financial assets. In the case of Sichuan province, the thesis conducts empirical research, and reached some conclusions.

关 键 词：居民家庭 金融资产 总量与结构 Tobit模型 实证研究 居民金融资产 家庭金融资产 资产选择 金融资产结构 金融资产总量 

分 类 号：F832.22[经济管理—金融学] F832.4