论文部分内容阅读
2007年美国次贷危机爆发,随即引发的全球性金融危机促使人们深入思考,对中国家庭负债呈现出的现状、结构特征等问题得到了前所未有的关注。针对这些问题的研究,对于家庭如何合理的安排资产结构、借贷消费行为,以及对经济政策的制定及金融产品的创新等都有重大的意义。基于此,只有对家庭负债问题展开具体的探究,才能引导居民更好地理财更科学地消费。
In the wake of the subprime crisis in the United States in 2007, the global financial crisis that ensued prompted people to think deeply and paid unprecedented attention to the status quo and structural characteristics of China’s household debts. Research on these issues is of great significance to the family how to arrange asset structure, loan and consumer behavior, as well as the formulation of economic policy and the innovation of financial products. Based on this, only a specific probe into the issue of household liabilities can guide residents to better manage their financial affairs more scientifically.