日本家庭金融资产的选择行为:风险与对策

The Choice Behavior of Household Financial Assets in Japan:Risks and Countermeasures

作为储蓄大国,日本家庭金融资产的选择行为深受其经济、社会、历史、文化等诸多复杂因素的多重影响,表现出重安全、避风险的资产选择倾向。随着日本金融自由化、国际化、证券化进程的加快,日本家庭金融资产所面临的风险因素愈益复杂多变,要化风险为机遇,实现家庭金融资产的保值和增值,需要日本政府、金融机构和所有家庭肩负起各自相应的责任与义务,其中明确政府的安全保护、金融机关的信息披露和个人的风险自负的三项原则是重中之重。

In a country like Japan that features high savings, the choice behavior of household financial assets is deeply affected by many complicated factors such as economy, society, history and culture, and is featured by a tendency to emphasize security and avoid risks. Along with the accelerated financial liberalization, internationalization and securitization in Japan, household financial assets are exposed to more complicated risks. In order to realize the preservation and appreciation of household financial assets, the Japanese government, financial organizations and all households should shoulder their own responsibilities, the priorities of which are three principles, namely, government security, information disclosure of financial organizations and individual self-responsibility for risks.