基于“模型-实证-模拟”框架的家庭金融研究综述

A Literature Review of Household Finance:Based on the Perspective of Model,Empirical and Simulation

家庭金融是近年来金融学研究的一个新兴领域。随着我国收入分配主体的变化及金融市场的不断发展,居民家庭的资产结构和资产选择行为发生明显变化,家庭资产总量分布不均和结构失衡等微观结构问题较为严重。这些问题不仅牵涉到居民的福利问题,同时也影响着我国居民消费需求的提升、金融市场的发展以及宏观经济结构的调整。因此,本文从理论模型、实证研究以及模拟分析等视角对家庭金融相关领域的文献进行回顾,梳理出一个较为新颖和系统的家庭金融研究理论框架,可为后续研究提供借鉴,同时,对引导家庭资产合理配置,完善家庭资产结构,扩大消费需求以及调整宏观经济结构等方面也具有重要的现实价值。

Household finance is an emerging field of financial research in recent years.With the change of income distribution structure and the development of financial markets in China,the structure and behavior of household assets have obvious changes,in which microscopic structural problems of household assets,such as uneven total assets distribution and unbalanced structure,become more serious.These issues not only involve the welfare of the residents,but also have great significances in enhancing consumer demand,developing financial markets and adjusting macroeconomic structural in China.Studies on household finance are committed to meeting the escalating family assets demand,guiding the family assets rational allocation,improving the structure of household assets,and proposing strategic recommendations on expanding consumer demand and adjusting the structure of macroeconomic.