金融危机对家庭资的影响.doc

金融危机对中国家庭经济行为的影响 摘 要： 在全球经济一体化的背景下，爆发于美国的金融危机对整个世界经济造成了巨大的破坏性冲击，改革开放三十年来对外开放度和外贸依存度不断提高的中国当然也难以幸免。从宏观层面来看，金融危机对中国的金融与经济体系造成了负面影响。传导到微观层面，中国普通家庭的投资、消费、生产等经济行为也受到了冲击，主要表现在三方面：其一，在家庭投资方面，金融危机使家庭投资资产的价值缩水，投资信心受到打击；其二，在家庭消费方面，金融危机改变了不同类型家庭的消费需求与消费结构，使得家庭减少消费开支，降低了消费水平；其三，在家庭生产方面，出现家庭消费性生产行为对社会化市场产品的替代。 关键词：金融危机Abstract: In the circumstances of economic globalization, the financial crisis which stemmed from the United States has made the world economy under a destructive attack. China, which has been opened up for thirty years, can not luckily escape with its increasing dependence of foreign trades. To the macro-level, financial crisis has negative impact on the financial and economic system of China. As to the micro-level, it has assaulted some economic behavior as investing, consuming and producing of average chinese family. The impact is showed from three respects: firstly, to the investing of a family, the financial crisis has shrunk the value of the family investment assets, and it has stricken the confidence of investing; secondly, to the family consuming, the financial crisis has changed the consumer demand and consumption structure of different types of families, which made the families reduce consumer spending and the level of consumption; thirdly, to the family producing, there has came the production of household consumption behavior instead of the socializational market product. Key word: financial crisis family economic behavior 目录 一、引言.............................................................................................................................3 二、国内外相关研究.........................................................................................................3 三、金融危机对家庭投资的影响.....................................................................................4 （一）楼市投资.............................................................................................................5 1、国内房地产市场泡沫的破裂与家庭楼市投资..........................................