林业职工家庭资产配置优化:赋能重点国有林区共同富裕

The Optimization of Household Assets Allocation of Forestry Workers:The Logical Mechanism and Path of Enabling the Key State-owned Forest Regions to Achieve Common Prosperity

共同富裕是中国特色社会主义的本质要求,重点国有林区共同富裕也是全体林区职工及其家庭的奋斗目标。家庭资产配置优化是以实现整个生命周期内林区职工家庭资产增值和效用最大化目标的家庭金融行为,是增加家庭收入、促进林区共同富裕的有效路径。首先,深入阐释了林区职工家庭资产配置优化赋能重点国有林区共同富裕的理论逻辑、实践逻辑;其次,借助重点国有林区民生监测项目数据,归纳出林区职工家庭资产配置的行为特征;再次,揭示了重点国有林区职工家庭资产配置优化面临的现实;最后,提出林区职工家庭资产配置优化赋能重点国有林区共同富裕的路径跃升。

⑴Background——Common prosperity is the essential requirement of socialism with Chinese characteristics.To achieve common prosperity in the key state-owned forest areas is the goal of all forestry workers and their families.How to improve the livelihood of forestry workers families and resolve multidimensional poverty has become a hot issue in the research field of forestry economics for many years.Optimizing the household assets allocation and rationally arranging the current consumption,savings and the proportion of investment is a family financial behavior aiming to realize the appreciation and utility maximization of the household assets of the forestry workers in the whole life cycle,and an effective way to increase the family income of the forestry workers and promote the common prosperity in the forest areas.⑵Methods——Using the methods of literature research,quantitative research and qualitative research,this paper firstly analyzes the logical mechanism of household assets allocation optimization enabling the key state-owned forest areas to achieve common prosperity from two aspects of theoretical logic and practical logic,and then discusses the behavioral characteristics and realistic challenges of household assets allocation of the forestry workers.Finally,this paper puts forward the path selection of the key state-owned forest areas to achieve common prosperity by optimizing the household assets allocation of the forestry workers.⑶Results——The optimization of household assets allocation enables the key state-owned forest areas to achieve common prosperity,which is reasonable in theory and feasible in practice.The household assets allocation behavior of the forestry workers in the key state-owned forest areas has the following characteristics:First,the household assets allocation structure is single,and the proportion of real estate is high.Second,there is a strong propensity to saving and less participation in risky investments.Third,the participation rate of production and operational investment is low,and the overall trend is declining year by year.The household assets allocation optimization of the forestry workers in the key state-owned forest areas faces the following practical challenges:First,the aging trend of the forestry workers is obvious,their education level is generally not high,and they generally lack basic knowledge of finance and awareness of assets allocation.Second,the livelihood vulnerability of the forestry workers families has not been completely eliminated,and the household assets allocation options are limited.⑷Conclusions and Discussions——Based on the above analysis,this paper proposes the path selection of household assets allocation optimization enabling the key state-owned forest areas to achieve common prosperity:First,guide the forestry workers families to change the concept of assets allocation and enhance family financial awareness.Second,encourage and support the forestry workers to carry out undergrowth economy entrepreneurship.Provide entrepreneurship guidance,skills training,policy support and market development to encourage innovation in the undergrowth economy and the application of modern agricultural technologies.Third,establish a market mechanism for realizing the value of forest ecological products to provide more investment choices for the forestry workers families.