我国居民家庭金融资产配置影响因素研究  

Research on the Influencing Factors of the Household Financial Asset Allocation of Chinese Residents

作　　者：廖春萍[1] LIAO Chun-ping(Guangdong Engineering Polytechnic,Guangzhou 510000,China)

机构地区：[1]广东工程职业技术学院,广州510000

出　　处：《中小企业管理与科技》2020年第17期72-73,共2页Management & Technology of SME

基　　金：广东工程职业技术学院2019年科研项目(KYYB2019016)。

摘　　要：随着中国特色社会进入新的时代,人民日益增长的美好生活需要和不平衡不充分的发展,已经成为我国目前的主要矛盾。同时,政府给予金融行业更高的支持,使金融行业改革持续高涨,再与全球金融一体化的发展相融,我国的金融市场在这种新形势下越来越完善,人民群众的收入也不断增长。对于传统的存款,国债储蓄类理财已无法满足居民家庭的投资意愿,家庭理财资产配置成为了社会迫切需求。因此,论文对家庭金融资产配置现状进行阐述,提出了家庭金融资产配置优化措施,推动了我国居民家庭金融资产配置的进一步发展。As the society with Chinese characteristics enters a new era,the people's growing need for a better life and uneven and inadequate development have become the main contradictions in our country.At the same time,the government has given higher support to the financial industry,so that the reform of the financial industry has continued to rise,and it will be integrated with the development of global financial integration.China's financial market has become more and more perfect under this new situation,and the income of the people has also continued to increase.For traditional deposits,treasury bond savings financing can no longer meet the investment willingness of households,and household financial asset allocation has become an urgent need of the society.Therefore,this paper describes the current situation of household financial asset allocation,and proposes measures for optimizing the allocation of household financial assets,which promotes the further development of household financial asset allocation in China.

关 键 词：家庭理财 资产配置 现状 优化措施 

分 类 号：F832.5[经济管理—金融学]