摘要随着社会的进步与经济的迅速发展，人们对金融行为的兴趣提升，由此金融素养与家庭资产间的相互选择已经越来越被人们所关注。本文分析了金融素养对家庭资产选择的影响以及影响金融素养的主要因素，并通过金融素养如何影响家庭资产配置、如何影响家庭资产变动以及如何影响家庭是否理性贷款来表明金融素养与家庭资产的关系，结果表明金融素养对于家庭资产的变动来说是不可或缺的重要因素。家庭资产与金融素养的提升都有利于社会经济发展，因此应提升金融素养，在增加家庭资产的同时推动经济发展。关键词：金融素养，家庭资产，经济发展TheFinancialLiteracyandFamilyAssetSelectionAbstract：Withtheprogressofsocietyandtherapiddevelopmentoftheeconomy,people'sinterestinfinancialbehaviorhasincreased,sothemutualchoicebetweenfinancialliteracyandfamilyassetshasbeenmoreandmoreconcerned.Thispaperanalyzestheinfluenceoffinancialliteracyonthechoiceoffamilyassetsandthemainfactorsaffectingfinancialliteracy,andshowstherelationshipbetweenfinancialliteracyandfamilyassetsbyhowfinancialliteracyaffectsfamilyassetallocation,howtoaffectthechangeofhouseholdassets,andhowtoaffectwhetherthefamilyisrationallytakingoutloans.Theimprovementofhouseholdassetsandfinancialliteracyisconducivetosocialandeconomicdevelopment,sofinancialliteracyshouldbeimprovedtopromoteeconomicdevelopmentwhileincreasingfamilyassets.Keywords:Financialliteracy,familyassets,economicdevelopment目录一、引言........................................................................................................................................1二、相关概念界定........................................................................................................................1（一）什么是金融素养..........................................................................................................1（二）什么是家庭资产..........................................................................................................2三、影响金融素养的因素............................................................................................................2（一）受教育程度..................................................................................................................2（二）性别..............................................................................................................................3（三）年龄..............................................................................................................................4（四）地域..............................................................................................................................5四、金融素养对家庭资产选择的影响.........................................................................................5（一）金融素养的提升有利于优化家庭资产配置..............................................................5（二）金融素养的提升促进家庭资产增值保值..................................................................7（三）金融素养的高低决定是否理性贷款..........................................................................8五、结论.........................................................................................................................................9参考文献.....................................................................................................................................10一、引言随着经济的发展、人们生活水平的提高以及人均寿命的延长，特别是在全...
