大连市城镇居民家庭资产配置优化的对策分析

大连市城镇居民家庭资产配置优化的对策分析摘要随着中国经济市场化的逐步深入和地区经济的迅速发展，带动居民收入水平的大幅提高，也扩大居民对金融投资的需求。而随着我国资本市场和金融市场的发展，居民的家庭金融资产不再局限于现金与银行存款，开始多元化投资，债券、股票、基金等成为居民金融资产选择的对象。大连是我国非常知名的旅游城市，随着经济的发展，其生产总值也在不断提高，大连的人均生产总值一直高于国内人均生产总值的两倍以上。我国对于家庭资产配置的研究还处于一个初级的阶段，大多数研究都比较宏观，因此还应该进行更加深入的研究。通过本次研究可以在一定程度上丰富我国关于家庭资产配置的研究成果，因此，本次研究以大连地区的居民为研究对象，分析大连市城镇居民家庭资产配置的现状，然后分析了影响家庭配置的主要因素，发现居民家庭资产配置态度、居民家庭收入、受教育程度与金融知识和居民风险偏好是其主要的影响因素，最后提出具体的优化对策，应该根据生命周期理论制定进行资产配置规划，提高城镇居民家庭收入，政府加强监管、泛化群众金融知识，强化居民风险管理意识，促进城镇居民合理配置家庭资产，具有非常重要的研究价值。关键词：城镇居民；家庭资产；配置-I-Countermeasure Analysis on the Optimization of Household AssetAllocation of Urban Residents in DalianAbstractWith the gradual deepening of China's economic marketization and the rapiddevelopment of regional economy,the income level of residents has been greatly improved,and the demand for financial investment has also been expanded.With the development ofChina's capital market and financial market,the household financial assets of residents areno longer limited to cash and bank deposits,and began to diversify investment.Bonds,stocks,funds and so on have become the objects of choice for residents'financial assets.Dalian is a very well-known tourist city in China.With the economic development,itsGDP is also increasing.The per capita GDP of Dalian has been more than twice that of thedomestic per capita GDP.The research on household asset allocation in China is still in itsinfancy.Most of the studies are macro,so we should do more in-depth research.This studycan enrich the research results on household asset allocation in China to a certain extent.Therefore,this study takes the residents of Dalian as the research object,analyzes thecurrent situation of household asset allocation of urban residents in Dalian,and thenanalyzes the main factors affecting household allocation,and finds out the attitude ofhousehold asset allocation,household income Education level,financial knowledge andresidents'risk preference are the main influencing factors.Finally,specific optimizationcountermeasures are put forward.Asset allocation planning should be formulatedaccording to the life cycle theory to improve urban residents'family income.Thegovernment should strengthen supervision,generalize people's financial knowledge,strengthen residents'risk management awareness,and promote urban residents'rationalallocation of family assets,which has very important research value.Key Words:Urban residents;Household assets;To configureII-目录摘要......I一、绪论(一)研究背景(二)研究意义1(三)研究内容及研究框架(四)研究方法与拟创新之处.2二、相关概念与理论基础.…(一)相关概念.4（二)理论基础….4(三)研究现状5三、大连市城镇居民家庭资产配置影响因素分析.7(一)居民家庭资产配置态度….7(二)居民家庭收入.9(三)受教育程度与金融知识….9(四)居民风险偏好…10四、大连市城镇居民家庭资产配置优化的对策……12(一)依照生命周期理论制定进行资产配置规划.12(二)提高城镇居民家庭收入…12(三)政府加强监管、泛化群众金融知识.13(四)强化居民风险管理意识13结论.15参考文献。16附录17-II1-大连市城镇居民家庭资产配置优化的对策分析一、绪论(一)研究背景经济的微观体现就是家庭，家庭生存和发展所需要的物质条件就是资产。对于家庭资产的有效配置，不仅可以使家庭资产得以保值，同时可以促使家庭追求更高层次的物质和文化需求。从凯恩斯学派理论来看，要促使经济的发展，必须要促进消费、出口与投资三个方面来拉动，要促进我国经济的持续发展，必须要提高国内的消费水平，对家庭资产的有效配置，在一定程度上可以促进消费，这样对于我国的经济发展也是非常有利的。如果家庭资产配置不合理，那么必然对市场经济发展产生影响，导致市场危机的发