财富、负资产构造与家庭投资困境分析  

Wealth, Negative Assets Structures and Investment Dilemma

作　　者：阎波 刘帅 YAN Bo;LIU Shuai

机构地区：[1]湖南汽车工程职业学院协同创新中心,湖南株洲412001 [2]湖南理工大学经管学院,湖南岳阳414000

出　　处：《五邑大学学报（社会科学版）》2024年第1期54-58,93,共6页Journal of Wuyi University(Social Sciences Edition)

基　　金：国家社会科学基金一般项目“农村三产融合发展助推乡村振兴的内在机理与路径选择研究”(批准号:19BJY115)的部分成果。

摘　　要：家庭财富构造包括正财富构造、负财富构造、0财富构造。负财富构造的表现形式是家庭负资产构造。家庭的幸福指数公式可用家庭财富构造值和计算式焦虑这两个因子来度量。家庭负资产构造与计算式焦虑以及资产收益率密切相关,家庭负资产构造导致家庭消费下降并带来连锁负效应,计算式焦虑视角下的投资观更适用于普通家庭投资者,计算式焦虑与家庭财富构造的优化组合更能缓解家庭投资困境。Family wealth structures include positive wealth structure,negative wealth structure and the zero wealth structure.The formula of family happiness index can be measured by two factors:family wealth structure value and computational anxiety.The structure of household negative equity is closely related to computational anxiety and return on assets.The negative equity structure leads to the decline of house-hold consumption and brings negative chain effect.The investment view from the perspective of computational anxiety is more applicable to ordinary household investors,and the optimal combination of computational anxiety and household wealth structure can better alleviate the household investment dilemma.

关 键 词：负资产构造 计算式焦虑 家庭理财 幸福指数 投资困境 

分 类 号：F8325[经济管理—金融学]