摘要
文章运用相关问卷数据,研究金融资产配置的影响因素。重点研究户主相关情况、家庭平均年收入、家庭医疗负担、家庭幸福程度和2019—2022年家庭收入状况。研究发现户主相关情况趋向优秀对金融资产配置就越起到正向作用,负担较重家庭也倾向于积极寻求通过理财和投资增加家庭收入的方法。说明大部分家庭在经历打击或承受负担的时候都会积极寻求能够增收的金融工具,而不是固步自封,更愿意将资金存于储蓄账户中。但此次研究发现大部分家庭在理财和投资账户中呈现亏损的状态,这受股市行情以及家庭户主(资产主理人)的金融素养、年龄、性别等因素影响。希望通过文章的分析,能对家庭资产配置带来启发,增强金融资产配置的合理性。
This paper uses the questionnaire data collected by the members of this group to study the influencing factors of financial asset allocation.The research focuses on the relevant situation of the head of household,the average annual income of the family,the burden of family medical care,the degree of family happiness,and the household income in 2019—2022.The study finds that the better the relevant situation of the head of household,the more positive the allocation of financial assets,and the heavier the family burden,the more likely the family is to actively seek ways to increase household income through financial management and investment.This shows that most households will actively seek financial tools that can increase their income when they experience a blow or bear the burden,rather than rest on their laurels and prefer to keep their funds in savings accounts.However,this study found that most households are losing money in their wealth management and investment accounts,which is affected by the stock market and the financial literacy,age,and gender of the head of house hold(asset manager)and other factors.It is hoped that the analysis of this paper can bring inspiration to household asset allocation and strengthen the rationality of financial asset allocation.
作者
韩思雨
张夏蕊
陈昆
Han Siyu;Zhang Xiarui;Chen Kun(Nanjing Audit University,Nanjing,Jiangsu,211815)
出处
《市场周刊》
2024年第25期38-43,共6页
Market Weekly
作者简介
韩思雨,女,江苏宿迁人,南京审计大学学生,研究方向:投资经济;张夏蕊,女,江苏南通人,南京审计大学学生,研究方向:数字金融;陈昆,男,河南信阳人,南京审计大学副教授,研究方向:货币金融。
