后金融危机时代我国居民家庭金融投资风险及其防范

China citizen family finance investment risk and its prevention in late finance crisis time

随着我国国民经济的快速增长和我国居民财富的不断积累,金融资产已经成为居民家庭资产的重要组成部分。但在目前后金融危机时代背景下,受我国金融市场制度不健全、国民投资行为不规范、个人承担风险能力较弱等因素的影响,家庭金融投资无疑包含着较高的风险和存在着较多的问题,因此,本文结合后危机时代背景,针对我国居民家庭金融投资中存在的问题,提出了防范家庭金融投资风险的思路和对策。

With our country national economy＇s swift growth with our country resident wealth＇s unceasing accumulation,the monetary assets already became the resident family property the important component.But after present under the financial crisis time background,our country money market system not perfect,the national is invested the behavior standard,not to undertake risk ability to be weak personally and so on factor influences,the family finance investment is containing without doubt the high risk and exists many questions,therefore,after this article unifies,the crisis time background,the question which exists in view of our country resident family finance investment,proposed the guard family finance investment risk mentality and the countermeasure.