家庭金融资产配置的影响因素及决策分析分析-analysis of influencing factors and decision-making of household financial assets allocation.docxVIP

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家庭金融资产配置的影响因素及决策分析分析-analysis of influencing factors and decision-making of household financial assets allocation.docx

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家庭金融资产配置的影响因素及决策分析分析-analysis of influencing factors and decision-making of household financial assets allocation

AbstractWiththecontinuousincreasinglevelofhouseholdincomeandthegradualdiversificationoffinancialinstruments,thespaceofhouseholdfinancialassetallocationbecomesgraduallylarger.Increasingtheproportionofhouseholdfinancialassetsintheentireeconomicsystemmakesthestatusofthehouseholdfinancialassetsin thenationaleconomybecomingmoreimportant.Atthesametime,householdfinancehas alsobecomeafrontierresearchfieldthatasimportantascorporatefinanceandassetpricing.Inmicrocosmicview,thestudyofhouseholdfinancialassetallocation will helpimprovethefamilybenefitsandguidethefamilytohavearationalassetallocationdecision-making.Inmacroscopicview,accordingtoresearchonthehouseholdfinancialasset allocation,we canknow thefamily’sinvestmentpreferences. It has somepracticalsignificancethatfinancialinstitutionsinnovateinrelevantfinancialtoolsandthestateformulatesrelevantfinancialpolicy.Itcanbeseenin-depthstudyofhouseholdfinancialassetallocationhasimportanttheoreticalandpracticalsignificance.Householdfinancialassetallocationisacomplicatedprocess.Basedonthetheory offinancialportfolioselection,consumption-savingtheoryandthetheoryofmoneydemand,thisthesisanalyzefromthreelevels.Firstly,becausetheinfluencefactorsof householdfinancialassetallocationarecomplicated.Thethesisdividedtheseinfluencefactorsintofamilyinternalandexternalfactorstoanalyze.Weanalyzethelifecycleeffect,theinfluenceofeducationandthewealtheffectinthe familyinternalfactorsand researchsocialinteractionandsocialtrustintheexternalfactors.Secondly,onthebasis ofanalyzinginfluencefactors,thethesisbuiltthegeneralframeworkofthehouseholdfinancialassetallocationdecision-makinginordertosolvetheproblemthathouseholdfinancialassetallocationdecisionlackofrationalconsideration.Thedecisionof householdfinancialassetallocationisdividedintobasicstage,implementationstage,andrebalancingstagetoanalyze.Finally,takingintoaccountthedecisionbasicstageandrebalancingstageneedtoconsidertheirownfamilyfeaturesandaccordingtotheaboveanalysisofthefivefactors,thethesiscarriedon