农村家庭资产配置与金融市场参与的实证研究——以浙江金华地区为例

Compare Study of Rural Family on Asset Allocation and Financial Market Participation:A Case of Jinhua Area

通过金融深化增加农村家庭参与金融市场的机会,提高农村家庭的福利,让金融为广大农村家庭服务,改善其资源配置,解决农村金融抑制的问题,是当前金融改革与发展的一个重要内容。文章将农村家庭的实物资产分为生活型与生产投资型,将金融资产分为安全型和风险型,根据问卷调查获取的数据建立Logistic回归模型,对东部地区农村家庭实物资产配置和参与金融市场的决定因素进行研究,探讨当前农村的金融深化与金融发展路径。

Through financial deepening, the chances of rural families to participate in financial markets are greatly increased. Their asset allocation will be improved. The development of the rural financial market is the prerequisite and basis for rural economy. On the base of questionnaire this paper try to explore and analysis the decision factor of rural family investment. The physical assets be divided into life or production investment, and financial assets into security and risk - type. Based on depicting and positive study, some conclusion be singled out.