居民财富结构、影响因素与优化研究  

Research on the Structure,Influencing Factors and Optimization of Residents'Wealth

作　　者：喻晓平 YU Xiaoping

机构地区：[1]山东工商学院金融学院,山东烟台264005

出　　处：《吉林金融研究》2020年第3期4-8,共5页Journal of Jilin Financial Research

摘　　要：随着中国经济的快速发展,居民的收入水平不断提高,居民金融需求也日益多样化和个性化,深化金融供给侧改革以满足居民资产配置需求,对于提高居民的幸福感和获得感具有重要意义。本文分析了居民财富结构的变化及其趋势,探讨了影响居民财富结构的因素以及居民资产配置面临的困境,最后提出了优化居民财富结构的具体建议。With the rapid development of China's economy,the income level of residents has been continuously improved,and the financial needs of residents have become increasingly diversified and personalized.Deepening the reform of financial supply side to meet the needs of residents'asset allocation is of great significance to improving residents'sense of well-being and gain.This paper analyzes the changes and trends of residents'wealth structure,discusses the factors affecting the wealth structure of residents and the dilemma faced by residents'asset allocation.Finally,it puts forward specific suggestions for optimizing the wealth structure of residents.

关 键 词：财富结构 资产配置 供给侧改革 

分 类 号：F83O[经济管理—金融学]