互联网金融下家庭资产配置

Family Asset Allocation Under the Background of Internet Finance

互联网金融使得理财成为家庭的日常生活方式,家庭通过互联网理财产品投资的意识也不断增强。互联网金融的快速发展也使得其对家庭资产结构调整的影响不容小觑。本文基于中国家庭金融调查微观数据分析认为,我国金融理财产品快速推进,使家庭参与互联网金融热情提高,但个体发生分化。对于受教育水平较高、金融素养较好的家庭,参与互联网金融理财产品的风险管控更好、收益更高;反之,金融素养较差的家庭参与互联网金融理财的风险高、收益低。因此,建议家庭依据理财产品特性、个人金融知识状况等因素,合理配置家庭资产,适度参与互联网金融投资。

Internet finance has made managing finance become a daily life style and also the of consciousness of investment is in- creasingly enhancing. The fast growth of internet finance exert an important impact on family asset structure. This thesis＇ s analysis is based on the data of Chinese family financing investigation and indicates that the development of the finance products make people more interested in internet finance. For the well - educated families who known much knowledge about financing, the risk supervision are more easily conducted and they gain a high return. However, for the families who know little about the interact finance are of high - risk and low - yield. Therefore, the author suggests that families allocate family asset and engage in internet finance according to the character of financing product, financing knowledge.