家庭结构对金融资产影响的实证研究

文章利用微观数据分析了家庭结构各维度对家庭金融资产的影响。分析发现，家庭生命周期的不同阶段对金融资产有不同的偏好和需求。家庭平均年龄与家庭存款量呈倒“U”型关系；老年型家庭对金融产品有规避倾向；教育程度的提高有利于金融产品的普及；家庭金融资产在城乡间有很大差别。文章提出了丰富居民理财知识、提高居民受教育程度和健全社会保障体系等政策建议。

An Empirical Analysis of Family Structure on the Impact of Financial Assets

We analyze the impact of family structure on financial assets using micro-data. We find that the families at different stages of the family life cycle have different preferences and demand for financial assets. There is an inverted ＂U＂ shaped relationship between average household age and the household deposits. The elderly family likes to avert financial products. Higher level of education is conducive to the popularity of financial products. The household financial assets are different between urban and rural areas. And we put forward policy recommendations to enrich financial literacy, improve education level and improve the social security system.