家庭能力、环境效应与居民家庭资产配置有效性研究——基于三阶段DEA模型的实证分析

Ability of Households,Environmental Effect and Validity of Household Portfolio--Based on Three-stage DEA Model

家庭能力和环境效应对居民家庭资产配置有效性有着重要影响,利用三阶段DEA模型研究这一问题后发现,不同地区家庭能力和环境效应对于有效性的提高有着不同程度的影响,但总体上家庭能力是提高居民家庭资产配置有效性最为重要的因素。加强金融知识学习,多样化配置资产,适当承受风险,有利于提高居民家庭资产配置有效性。

Ability of households and environmental effect have an important influence on the validity of household portfolio. Based on the three-stage DEA model, it is found that ability of households and environmental effect have different effects on the improvement of validity in different regions. In general, the ability of households is the most important factor to improve the validity of household portfolio. In order to improve the validity of household portfolio , It is very important to strengthen the study of financial knowledge, take risks properly and diversify the allocation of assets.