福建省人口老龄化对家庭金融资产配置影响调研报告.pdfVIP

摘 要 我国的人口老龄化加重，一系列问题伴随而来，而我国家庭也更加注重资产的配 置，其配置形式各异，如何利用资产配置促进收益，从而帮助社会减轻因人口老龄化 问题所带来的经济负担显得尤为重要。 本文通过调查获取福建省抽样样本家庭的人口统计特征、家庭金融资产配置等相 关数据。通过统计数据，发现家庭配置现金、银行存款这类无风险金融资产的比重会 较高，配置风险金融资产的比重较低，农村家庭配置现金和银行存款占总金融资产的 百分比会较高，但风险金融资产占总金融资产的百分比则较低。通过对金融资产配置 60 决策、广度和深度的研究总结出大于或者等于 岁的人口的比重以及经济决策者年 龄对家庭风险金融资产配置决策 （配置的可能性）、拥有的金融资产的广度、拥有的 风险金融资产所占总金融资产百分比（深度）有反向变动作用，但对配置的无风险金 融资产占总金融资产的百分比却是正向影响。文章还发现了人口老龄化对影响金融资 产配置存在城市和乡村间的区别，得出在城镇地区，人口老龄化对风险和无风险金融 资产所占百分比及其具有的金融资产的广度影响较大，但是在乡村则是对风险金融资 产配置的决策 （即配置的可能性）影响较大。文章还检验了人口老龄化通过金融素养 和风险偏好态度影响金融资产配置的传导机制。人口老龄化通过降低风险偏好态度、 金融素养从而减少配置风险金融资产的可能性、金融资产品种种类以及风险金融资产 占总金融资产的百分比，增加无风险金融资产的百分比。最后文章基于分析结果作出 总结，并对投资者、金融机构、政府提出相应的建议。 关键词：人口老龄化；家庭金融资产；风险金融资产 I Abstract The aging of our country’s population has been increasing, and a series of problems have come along,and our families also pay more attention to the allocation of assets, and their allocation forms are different. How to allocate family financial assets to promote income, so as to help the society alleviate the economic burden is particularly important which isresultedfromtheagedpredisposition ofpopulation. The article shows correlate data such as demographic personalities and household financial asset allocation of sample families in Fujian Province through surveys. From the data, it can be seen that a family choose bigger proportions of risk-free financial assets such as cash and bank deposits, and lower proportions of financial assets with risk. Rural households have bigger ratios of risk-free financial assets than people in urban while situation of financial assetswith risk isopposite.The study foundthat theproportion ofthe elderly population greater than or equal to 60 years old and the age of theperson who can do economic resolutions have an opposite effect on risky f