居民家庭金融资产选择的实证研究

一、研究背景随着我国收入分配主体的变化和金融市场的发展,居民家庭金融资产的种类不断增加,居民的资产选择行为变得越来越复杂。由此产生了有关居民金融资产的一系列相关问题:居民金融资产的形成有何特点,居民金融资产总量与结构的影响因素有哪些,居民金融资产结构是否合理,各种具有不同特点的居民家庭之间金融资产总量与结构有何差异,市场上的金融产品是否满足居民的金融投资需求,国家税收、金融产业优惠等宏观经济政策通过居民金融资产会对居民收入、消费产生怎样的影响等等,这些问题在宏观经济中已经变得愈发重要。剖析这些问题,不仅可…

The Experimental Analysis of Household's Choice of Financial Assets

Residents' financial assets are main components of a nation's savings. In the one hand, they are the source of capital for the expanding reproduction, and in the other hand, they are essential factors to decide residents' living standard. The thesis gives theoretical analysis from micro point of view to the causes that help forming the residents' financial assets, and the factors that affects the volume and structure of a family's financial portfolio;and then constructs the econometrical model of volume and components of a family's financial assets. In the case of Sichuan province, the thesis conducts empirical research, and reached some conclusions.