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家庭风险管理及保险规划调查研究
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作者 孙嘉婧 汪连新 《金融》 2023年第1期166-171,共6页
在经济全面提升的背景下,家庭财富管理则成为共同富裕的重要组成部分,而对于经济的风险管控和规划则成为家庭经济得以保障的重要措施。然而目前大多数家庭对于经济管控和风险分析与购买保险的必要性并没有清晰的理解,这就导致出现不少... 在经济全面提升的背景下,家庭财富管理则成为共同富裕的重要组成部分,而对于经济的风险管控和规划则成为家庭经济得以保障的重要措施。然而目前大多数家庭对于经济管控和风险分析与购买保险的必要性并没有清晰的理解,这就导致出现不少问题导致经济无法得到最大利用率,而本篇论文则详细阐述家庭如何合理财富规划,以及如何降低经济风险、保险重要性。通过保障家庭财富来实现共同富裕的有效手段。 展开更多
关键词 家庭风险管理 保险规划 共同富裕
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收入风险对宅基地住房投资的影响
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作者 胡军辉 戚瀚英 《金融》 2022年第5期502-509,共8页
文章利用CHFS的2011~2017年调查数据,实证分析了收入风险对农村宅基地住房投资行为的影响效应。结果显示收入风险显著地抑制了农村家庭的宅基地住房投资,务农家庭显示出更强的挤出效应;务农家庭的收入风险与宅基地住房投资的负相关性随... 文章利用CHFS的2011~2017年调查数据,实证分析了收入风险对农村宅基地住房投资行为的影响效应。结果显示收入风险显著地抑制了农村家庭的宅基地住房投资,务农家庭显示出更强的挤出效应;务农家庭的收入风险与宅基地住房投资的负相关性随着投资额的递增而增强;风险态度对宅基地住房投资的影响不明显。因而,提高农村家庭福利可以从拓展非农就业机会、完善农业政策性保险等方面入手。 展开更多
关键词 收入风险 宅基地住房投资 家庭风险管理
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Risk Management Strategies of Vulnerable Rural Households in Southeast Asia: A Case Study from Vietnam
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作者 I. Fischer G. Buchenrieder 《Journal of Agricultural Science and Technology(A)》 2011年第2X期292-302,共11页
In the Uplands of Southeast Asia, poor and near-poor farm households endure considerable livelihood vulnerability. Access to formal insurance services is scarce. Rural farm households in mountainous Northern Vietnam h... In the Uplands of Southeast Asia, poor and near-poor farm households endure considerable livelihood vulnerability. Access to formal insurance services is scarce. Rural farm households in mountainous Northern Vietnam have developed alternative risk management strategies. This article investigates the theoretical links between poverty, vulnerability and risk. The concept of vulnerability to poverty lays the analytical framework. Based on empirical evidence from more than 200 ethnic minority households, major risks and risk management strategies are presented and analyzed. Results suggest that households suffer from limited endowment with and access to capital assets and service institutions. Human and economic risks (e.g. illness of family members and loss of livestock) were identified as the main components affecting rural livelihoods. Constrained access to adequate risk management strategies increase household's vulnerability, drowning them more and more in poverty. Major policy implications are that anti-poverty programs should focus on a broader target group, the currently poor as well as the vulnerable households. 展开更多
关键词 Risk management VULNERABILITY Southeast Asia Vietnam.
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