摘 要近年来，各大经济体纷纷降息，利率已处于相对低位，负利率成为金融市场的常态，债券收益率持续下降，期限利差收窄，我国目前的投资增长基本上是靠政府投资支撑，民间资本的投资意向大大降低。而我国城市家庭的资产逐年攀升，这无疑加大了我国城市家庭资产配置的难度，虽然很多家庭已经尝试新的理财产品，但是从总体来看，我国城市家庭的金融资产配置处于病态，有很多的不合理之处。为此国内学者也提出了很多关于家庭理财的研究，对于家庭理财有很大的借鉴意义，但是我认为这些建议较为笼统，缺乏适应性，为此本文将做出一些改良建议。本文尝试以低利率为大背景，采取文献研究法、规范分析法、分析比较法等进行研究，从城市家庭的角度出发，首先介绍关于低利率、城市家庭以及资产配置的相关概念，接着对我国目前的城市家庭资产配置概况进行研究总结，分析城市家庭资产配置结构，并选取一些影响较大的因素进行剖析。并借鉴标准普尔家庭资产配置图，给出适合我国国情的资产配置图，最后将从政府和家庭两大主体出发，从较大层面的政府监管到具体的家庭配置，给出一些切实可行的资产配置建议，以达到优化城市家庭金融资产配置的目的，使得城市家庭财富能够稳定健康的增长。关键词：低利率；家庭生命周期；资产配置 IAbstractIn recent years, major economies have cut interest rates one after another. Interest rates have been relatively low. Negative interest rates have become the norm in the financial market. Bond yields have continued to decline, and the term spread has narrowed. China's current investment growth is basically supported by government investment, and the investment intention of private capital has greatly decreased. However, the asset of urban families in China is increasing year by year, which undoubtedly increases the difficulty of asset allocation of urban families in China. Although many families have tried new financial products, on the whole, the financial asset allocation of urban families in China is in a pathological state, and there are many irrationalities. For this reason, domestic scholars also put forward ...
