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我国目前遇到居民拥有的资产结构相对单一,城乡居民投资行为差异大等问题,加深对居民金融资产结构选择及其效应行为的影响因素的了解,不仅有利于居民家庭制订符合家庭实际的理财规划和投资决策,同时控制了家庭风险,提高家庭资产性收入。本文采用STATA软件,对家庭总金融资产与相关因素进行实证研究,运用ADF检验,协整检验,误差修正模型等方法,分析得出可支配收入对家庭金融总资产的影响,从而引出能对我国家庭如何投资有着指引作用政策建议,从而进行有效的财富管理。
At present, China has encountered many problems such as the relatively single asset structure owned by residents and the large differences in investment behavior between urban and rural residents. It is of great significance to deepen the understanding of the factors influencing the choice of residents’ financial assets structure and their effectual behaviors, which is not only conducive to the development of household wealth management plans And investment decisions, while controlling the family risk and raising the family’s asset income. This paper uses STATA software to carry out an empirical study of the total family financial assets and related factors, using ADF test, cointegration test, error correction model and other methods, analysis of the disposable income on the total financial assets of the family, leading to China How families invest has guidelines and policy recommendations for effective wealth management.