我国家庭金融资产配置影响因素分析∗

摘要

在回顾与整理已有研究的基础上，分析我国家庭金融资产配置的现状，发现家庭金融资产配置的不足。利用中国家庭金融调查数据，采用描述性统计分析以及回归分析，从微观视角分析我国家庭金融资产配置的影响因素，为政府制定相关政策提供建议，为促进家庭金融资产合理配置提供参考。%On the basis of reviewing and summarizing existing researches, the status quo of allocation of household financial asset in China is analyzed, and the shortcomings of allocation of household financial asset are found. The data of Chinese household financial survey are used, and the influencing factors of allocation of household financial assets in China are analyzed from the micro-economic perspective by applying descriptive statistical analysis and regression analysis. It provides suggestions for the government to formulate relevant policies, and provides references for the families to allocate financial assets properly.