论家庭金融视角下的艺术品投资需求--基于需求层级结构理论的分析

摘要

艺术品投资正在成为家庭金融需求的重要组成部分。根据马斯洛的需求层级结构理论，家庭金融需求也呈现出显著的金字塔式层级结构特征。艺术品投资能够贯穿整个“金字塔”，满足家庭在不同层次的金融需求，艺术品的资本化与证券化是迎合家庭金融需求的重要实现途径。在这一过程中，一方面要加强对艺术品投资者的金融教育，另一方面要规范市场运行，切实保护投资者利益不受侵害，并最大限度发挥艺术品投资市场的“流动性蓄水池”功效。%Art investment is becoming an important part of household financial demand. According to Maslow's hierarchy theory of de-mand,household financial demand takes on significant characteristics of hierarchy,which is noted as the “ Pyramid”. The art invest-ment runs through the whole “Pyramid” with the satisfaction of household financial demand in different levels. Art capitalization and se-curitization are important channels which can meet household financial demand. During the process,for one thing,financial education for art investors should be enhanced,for another,art market operation should be regulated,which aimed to protect investors benefit practically and maximize the effect of liquidity pool of art investment market.