居民金融资产结构的影响因素——基于河北省的调查研究

The Effecting Factors in the Structure of Householders' Financial Asset:A Case Study of Hebei Province

随着国民经济快速增长和居民财富不断累积,居民持有金融资产的总量和结构都在不断发生变化,从微观的视角研究居民金融资产构成和影响因素凸显重要。基于河北省居民金融资产的调查问卷数据,我们研究发现:储蓄依然在河北省居民金融资产中占据重要地位,其次是基金、股票、国债和保险,外汇和黄金资产持有比例较低;居民性别、年龄、教育水平、职业和收入水平等特征对居民金融资产持有结构有明显的影响。

With the rapid growth of macro-economy and accumulation of household wealth in China, the amount and composition of financial asset of householders are constantly changing, which indicate the importance of research on householders＇ financial asset from the micro view. Based on the questionnaire data on financial assets in Hebei Province, the evidence of this paper shows that in households＇ financial asset, deposits is still in extremely important position, and then followed by the fund, stocks, bonds and insurance. Meanwhile, the proportion of assets held in foreign exchange and gold are relatively smaller. Also, it is found that the gender, age, education, job position and income have a significant effect on the structure of householders＇ financial asset.