基于金融发展视角居民的财产性收入增长路径研究

Research on the growth path of civil property income based on the perspective of financial development

提高居民财产性收入,被视为“十四五”期间推动我国居民收益上升的关键策略。文章从金融发展视角出发,研究了金融进步对居民财富增值的影响力,探讨了两者之间的关系。研究发现,当金融机构的体量持续扩张、市场结构日益优化、运营效能逐步增强时,居民财富状况会同步得到改善。基于此,结合居民的现实情况,从金融制度建设、金融素养水平提升以及保护居民的财富积累等角度提出了提高居民财产性收入的对策建议。

Improving the property income of residents is considered a key strategy to promote the increase of income for Chinese residents during the 14th Five Year Plan period.This paper starts from the perspective of financial development,investigates the impact of financial progress on the appreciation of household wealth,and explores the relationship between the two.Research has found that as the size of financial institutions continues to expand,market structure is increasingly optimized,and operational efficiency is gradually enhanced,the wealth situation of residents will improve synchronously.Based on this,combined with the actual situation of residents,countermeasures and suggestions are proposed to improve their property income from the perspectives of financial system construction,improvement of financial literacy level,and protection of their wealth accumulation.