我国城市家庭金融资产配置问题与改进建议TheproblemandimprovementsuggestionofurbanhouseholdfinancialassetallocationinChina摘要环顾当前世界，虽然说近年来全球受美国金融危机严重影响，全球经济整体转弱，但在过去短短的几十年内金融市场日新月异的创新发展却仍然相当引人注目，股票市场、债券市场、保险市场、基金市场等多层次市场已日趋发达成熟，同时国内居民财富比重也会相应得到增加，家庭平均投资的各种金融产品数量的总比例均有所提高，家庭资产金融化程度也相应有所加深。家庭金融领域作为当前一个相对新兴的金融学前沿研究重点领域，将逐步成为金融市场理论基础和研究实践应用上共同的理论研究发展热点。近年来金融学研究将家庭金融学提高到了一个新的水平，与企业金融和资产定价同样重要。本文重点从当今我国城市居民家庭资产管理的有效配置实际状况出发，分析了我国城市家庭金融资产配置的现状；然后再从房产投资占比依然过高、金融资产比例严重不匹配、不平衡，金融资产的组合风险分布过度极端化、人均配置资产规模占比偏小，以及对于家庭保险基金的理财需求规模增长相对过快等五个方面，来探讨了当今我国现阶段家庭金融资产均衡配置结构存在的主要问题，最后提出应增强国内居民科学理财保险意识、鼓励银行业金融机构业务不断拓展创新、完善各项社会保障制度，减少个人投资后顾之忧、借力专业财富管理机构、拓宽投资渠道的改进我国城市家庭金融资产配置建议。关键词：家庭金融；资产；配置TheproblemandimprovementsuggestionofurbanhouseholdfinancialassetallocationinChinaAbstractLookingaroundtheworldtoday，althoughtheglobaleconomyasawholehasweakenedinrecentyearsduetothesevereimpactoftheUSfinancialcrisis，therapidandinnovativedevelopmentoffinancialmarketsinthepastfewdecadeshasremainedquiteremarkable，thestockmarket，thebondmarket，theinsurancemarket，thefundmarketandothermulti-levelmarketshavebecomeincreasinglydevelopedandmature，andatthesametimetheproportionofdomesticresidents’wealthwillincreaseaccordingly，thetotalproportionofallkindsofinvestmentfinancialproductsinaveragehouseholdinvestmenthasbeenincreased，andthedegreeofhouseholdassetsfinancializationhasalsobeensignificantlydeepened.Asarelativelynewresearchfocusinthefrontfieldoffinance，householdfinancewillgraduallybecomeacommontheoreticalresearchhotspotbothinthetheoreticalbasisandpracticalapplicationoffinancialmarket.ThispaperfocusesontheactualsituationofeffectiveallocationofhouseholdassetsmanagementofurbaninChina，thispaperanalyzestheotherinfluencingfactorsoffinancialassetallocationofurbanhouseholdsinChina.Then，fromthefactthattheproportionofrealestateinvestmentisstilltoohigh，theproportionoffinancialassetsisseriouslyimbalanced，theportfoliooffinancialassetsisexcessivelyextremeduetothedistributionofrisk，andthescaleofpercapitaassetallocationisrelativelysmall，thispaperanalyzesanddiscussesthemainproblemsexistinginthecurrentbalancedallocationstructureoffamilyfinancialassetsinChinainfivemajoraspects，suchastherelativelylowshareoftheFamilyInsuranceFund，andtherelativelyfastgrowthofthescaleofdemandforfamilyinsurancefunds，finally，weproposetostrengthenthedomesticresidents’awarenessofscientificfinancingandinsurance，encouragethebankingfinancialinstitutionstocontinuouslyexpandandinnovatetheirbusiness，andimprovevarioussocialsecuritysystems，suggestionsonhowtoimprovetheallocationofurbanhouseholdfinancialassetsinChinabyreducingtheworriesofindividualinvestment，relyingonprofessionalwealthmanagementorganizationsandwideninginvestmentchannels.KeyWords：HomeFinance；Assets；Allocation目录摘要...................................
