社会网络对家庭金融资产配置的影响分析研究

The Impact of Social Network on Household Financial Asset Allocation

论文从社会网络的角度解释了其对家庭金融资产配置的影响后认为,社会网络对家庭金融资产配置有促进作用。社会网络越强,家庭金融资产配置的概率越高,其中我国城市家庭比农村家庭的金融资产配置更积极,而东部地区的家庭对金融资产配置的参与度和广度最高。另外,社会网络可通过提高家庭金融素养和降低风险感知度来促进家庭参与金融资产配置,对影响路径的研究是一种补充。

After explaining the impact of social network on household financial asset structure,it is concluded that social network has promoting effect on the structure of household financial assets.The stronger the social network,the higher the probability of family financial asset structure.Among all these,the urban families are more positive than rural households in the aspect of financial asset structure.Family in eastern China has the highest participation rate and extent of financial asset structure.In addition,social network can promote family participation in financial asset structure by improving family financial literacy and reducing risk perception,which is a supplement to the research on influence path.