家庭金融风险资产的影响因素研究--基于中国家庭金融调查（CHFS）的实证分析

摘要

in this paper, by using the 2012 China Household Finance Survey and using Logit corresponding model, from the perspective of empirical analysis to explore the influence factors of family financial risk assets.Research shows that income, education, and gender have positive correlation with family financial risk assets, and the risk attitude has a negative relationship with them .The conclusion draw that the national government should actively guide the family residents to make more efficient allocation of assets , and put forward some suggestions for the economic develop-ment.%通过运用2012年中国家庭金融调查数据，采用Logit二元相应模型，从实证分析的角度探讨影响家庭金融风险资产的影响因素。研究表明，收入、受教育程度、性别对持有家庭金融风险资产产生正相关关系，而风险态度则对其呈负相关关系。其结论对国家政府积极引导家庭居民如何对资产进行更有效的配置具有建议性作用，并对经济发展提出相应的建议。