资产短缺、家庭资产配置与商业银行转型

Asset Shortage,Family Asset Allocation and the Transformation of Commercial Banks

本文研究发现,在资产短缺阶段,人们的储蓄行为发生了深刻变化,收入快速增长提高了人们的预防性需求和投机性需求,且投机性需求增长更快,这使得家庭在资产配置方面更倾向于高收益金融产品。在资产短缺时代,商业银行应以金融产品创新为核心和工作抓手,着力于提供更加丰富的金融产品,在满足家庭资产配置需求的同时实现自身的转型发展。

The study of this paper shows that, in the period of asset shortage, people＇s saving behavior changed pro- foundly. The rapid growth in income increases people＇s demand for prevention and speculation, and the speculative de- mand grows faster, which makes the asset allocation of families more inclined to high-income financial products. In the period of asset shortage, the commercial banks should focus on financial products innovation and provide more abundant financial products to meet the asset allocation needs of families, meanwhile realize their own transformation and deve- lopment.