货币宽松和互联网金融时代中国家庭金融资产配置探析

Exploration Chinese Household Financial Assets Allocation in the Context of Monetary Easing and Internet Finance

中国将较长时期保持宽松的货币政策环境,流动性相对过剩背景下居民对剩余资产保值增值的意愿更加强烈。中国居民家庭资产配置结构特征表现为:家庭金融资产总量偏低,非金融资产比重过大;居民投资理财以储蓄存款、银行理财等传统金融产品为主,储蓄占比下降;互联网金融投资比例不高。中国居民家庭资产配置障碍与社会保障制度,金融市场发展成熟度,金融中介创新能力弱、服务水平不高,投资行为信息不对称等密切相关。应完善包括住房、教育、养老、医疗在内的社会保障制度;加强中国金融机构建设;鼓励金融工具创新;完善互联网金融机制,强化行业自律建设;推进金融知识普及,引导家庭理性参与金融市场。

In recent years China has generally continued loose monetary policy environment, and in the context of the relative excess liquidity the residents have more intense for the wishes of increasing the value of the remaining assets. This paper analyzes the present situation of disposition of household financial assets： the total quantity of family financial assets is low; rate of non- financial assets is high; residents＇ investment majored in traditional financial form like savings; savings ratio is downward and internet financial investment is low. The family financial assets of residents in China is related to social security system, financial market development,financial market innovation and service, investment. Therefore, we should perfect the social security system including housing,education, pension and medication; we should enforce financial institute construction and financial innovation, perfect internet finance system, promote financial knowledge, so as to lead more families to participate in financial market in China.