浙江省城乡居民家庭金融资产配置状况及影响因素分析

发布时间：2018-04-17 15:42

本文选题：家庭金融 + 资产配置　；参考：《浙江农林大学》2017年硕士论文

【摘要】：随着改革开放的不断深入,我国社会经济的发展水平也得到了一个较大的提升,居民家庭的生活水平显著提高,家庭资产总量也逐渐增加,居民家庭对金融资产的需求也越来越大。因而对居民家庭金融资产的配置情况进行研究非常有必要,通过对比了解城乡居民家庭在金融资产配置上的状况具有十分重要的理论和现实意义。本研究以浙江省为例,根据中国家庭金融调查的数据,了解目前城乡金融资产的现状,分析浙江省城乡居民家庭金融资产配置状况。结果表明:浙江省城乡居民家庭金融资产配置在资产构成、选择特征、风险偏好、认知水平等方面存在显著差异。同时对造成显著差异的影响因素进行回归分析,结果表明:居民家庭教育水平、家庭规模、收入水平与家庭金融资产存在正向显著关系,利率预期与家庭金融资产存在负向显著关系。此外,年龄、投资风险偏好、房价预期、性别、婚姻状况、消费偏好等都对居民家庭金融资产配置产生重要的影响。针对影响的关键因素,对浙江省家庭金融健康发展提出相应的建议,认为提高城乡居民家庭收入水平、提高城乡居民家庭教育水平、加快金融机构建设、加强金融行业监管、拓宽金融投资渠道等都会有助于浙江省居民家庭金融的健康发展,有助于推进浙江省金融行业的进一步改革创新。
[Abstract]:With the deepening of reform and opening up, the level of social and economic development in China has also been greatly improved. The standard of living of households has improved significantly, and the total amount of household assets has gradually increased.Household demand for financial assets is also growing.Therefore, it is necessary to study the allocation of household financial assets. It is of great theoretical and practical significance to understand the situation of urban and rural households in the allocation of financial assets.This study takes Zhejiang Province as an example, according to the data of Chinese household finance survey, to understand the present situation of urban and rural financial assets, and analyze the allocation of financial assets of urban and rural residents in Zhejiang province.The results show that there are significant differences in the allocation of financial assets between urban and rural households in Zhejiang Province in terms of asset composition, selection characteristics, risk preference, cognitive level and so on.At the same time, the regression analysis of the influencing factors of the significant difference is made. The results show that the family education level, the family size, the income level and the family financial assets are positively and significantly related to the family education level, the family size and the income level.There is a negative significant relationship between interest rate expectation and household financial assets.In addition, age, investment risk preference, house price expectation, gender, marital status and consumption preference all have an important impact on household financial asset allocation.In view of the key factors, this paper puts forward corresponding suggestions for the healthy development of family finance in Zhejiang Province, and points out that raising the income level of urban and rural residents, raising the level of family education of urban and rural residents, speeding up the construction of financial institutions, and strengthening the supervision of financial industry,Widening the channels of financial investment will contribute to the healthy development of household finance in Zhejiang Province and promote the further reform and innovation of the financial industry in Zhejiang Province.
【学位授予单位】：浙江农林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F126;F832

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