负财富构造视角下的家庭资产配置行为分析  

Analysis on Household Assets Allocation Behavior from the Perspective of Negative Wealth Structure

作　　者：阎波 刘帅 YAN Bo;LIU Shuai(Collaborative Innovation Center,Hunan Automotive Engineering Vocational College,Zhuzhou Hunan 412001,China;School of Economics and Management,Hunan University of Technology,Yueyang Hunan 414000,China)

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：《金融理论与教学》2024年第3期11-16,33,共7页Financial Theory and Teaching

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”(19BJY115)。

摘　　要：家庭财富构造包括正财富构造、负财富构造、零财富构造。负财富构造的表现形式是家庭负资产构造,负资产构造造成了家庭的投资困境,家庭面临严峻的负资产处理难题,包括如何转正、怎样转移、负资产黑洞的填补、负资产风险的评估、资产负债表的修复、计算式焦虑的自我调整等。家庭负资产构造导致家庭消费下降并带来连锁负效应,家庭负资产的配置效率直接关联家庭的利益及内循环的畅通;家庭负资产的化解既是金融风险问题,也是关系国计民生的问题。The household wealth structure includes positive wealth structure,negative wealth structure,and zero wealth structure.The form of negative wealth structure is the negative household asset structure,which leads to the household investment dilemma.The households are faced with severe problems in dealing with negative assets,including how to turn positive,how to transfer,filling the black hole of negative assets,assessing the risk of negative assets,repairing the balance sheet,and self-adjustment of computational anxiety.The negative household assets structure leads to the decline of household consumption and brings a chain of negative effects.The efficiency of the allocation of negative household assets is directly related to the interests of the household and the smooth flow of internal circulation.The resolution of negative household assets is not only a problem of financial risk,but also a problem related to the nation’s economy and people’s livelihood.

关 键 词：负财富构造 计算式焦虑 家庭资产 配置行为 投资困境 

分 类 号：F832.5[经济管理—金融学]