摘要随着经济的增长，我国城镇居民收入不断增加。金融产品在家庭资产中的比重不断上升，金融产品在居民中的配置行为也日益成熟。作为最具有生命力的一种金融产品，它在改善一个家庭的整体收入和社会福利方面发挥着举足轻重的作用。因此，对我国城市居民家庭财务资产的分配行为特点和差别进行深入的探讨，对我国城市居民的金融资产分配具有很大的参考价值。本文的结论对改进我国居民家庭财产中的理财产品具有一定的参考价值。同时，提高居民的财产收入、缩小城乡居民的收入差距也是十分必要的。本文设计了针对沈阳市城镇居民家庭理财资产的问卷，通过理论与统计分析方法，对沈阳市城镇居民家庭理财产品的配置及影响因素进行研究。首先针对家庭理财资产配置的理论回顾，阐述国内、国外关于这方面的现状及研究成果。通过问卷调查，数据回收与整理，发现沈阳市城镇居民在家庭理财的金融素养、风险认知、金融理财产品构成、理财渠道及金融环境等方面存在的问题。最后，本文提出了具有针对性的对策和建议，具体从提升居民理财金融素养、提高风险防范意识、加强产品创新、拓宽获取渠道、优化金融环境等方面对沈阳市城镇居民的家庭理财产品配置进行了策略分析。希望可以优化沈阳市城镇居民坚挺理财的配置情况。关键词：城镇居民；家庭理财；调查问卷AbstractWiththegrowthofeconomy,theincomeofurbanresidentsinChinaisincreasingcontinuously.Theproportionoffinancialproductsinhouseholdassetsisincreasing,andtheallocationoffinancialproductsinresidentsisbecomingincreasinglymature.Asoneofthemostvitalfinancialproducts,itplaysapivotalroleinimprovingtheoverallincomeandsocialwelfareofafamily.Therefore,thecharacteristicsanddifferencesofthedistributionoffinancialassetsofurbanresidentsaredeeplydiscussed.TheconclusionofthispaperhasacertainreferencevalueforimprovingthefinancialproductsinthefamilypropertyofChineseresidents.Atthesametime,itisalsoverynecessarytoimproveresidents'propertyincomeandnarrowtheincomegapbetweenurbanandruralresidents.ThispaperdesignsthequestionnaireforthefinancialassetsofurbanresidentsinShenyang,andstudiestheallocationandinfluencingfactorsofurbanresidentsinShenyangthroughtheoreticalandstatisticalanalysismethods.Firstofall,forthetheoreticalreviewoffamilyfinancialassetallocation,elaboratethecurrentsituationandresearchresultsonthisaspectathomeandabroad.Throughthequestionnairesurvey,datarecoveryandsorting,theproblemswerefoundinthefinancialliteracy,riskcognition,financialproductcomposition,financialchannelsandfinancialenvironmentofurbanresidentsinShenyang.Finally,thispaperputsforwardtargetedcountermeasuresandsuggestions,whichanalyzestheallocationofShenyangurbanresidentsfromtheaspectsofimprovingfinancialliteracy,improvingriskpreventionawareness,strengtheningproductinnovation,broadeningaccesschannelsandoptimizingfinancialenvironment.HopetooptimizetheallocationofShenyangurbanresidentsstrongfinancialmanagement.Keywords:UrbanResidents;FamilyFinancialManagement;SurveyQuestionnaire目录摘要...........................................................................................................................................IAbstract.....................................................................................................................................II绪论...........................................................................................................................................11家庭金融理财配置的相关概念..............................................................................................31.1家庭理财...................................................
