摘要
本研究基于文献分析探究了家庭杠杆率成因及其对家庭金融资产配置的影响,从家庭杠杆的成因和效应以及家庭金融资产配置的测度和影响因素等角度,系统梳理了家庭杠杆和金融资产配置整理相关研究,厘清了家庭杠杆率对家庭金融资产配置的影响机制,提出了杠杆率对家庭金融资产配置影响的理论分析框架,并从研究方向、数据基础、测度指标3个层面提出了家庭杠杆率与金融资产配置关系的未来研究方向。本研究为家庭金融相关研究提供了一定的理论基础与方向指导,也可为合理引导家庭金融理性决策、有效管控金融风险提供科学参考。
Based on literature analysis,this study explored the causes of the household leverage ratio and its impact on household financial asset allocation,from the perspectives of household origin and effect as well as household financial asset allocation’s measurement and influence factors,reviewed the studies on household leverage and financial asset allocation.Then,the impact mechanism of leverage ratio on household financial asset allocation was clarified,according to which a theoretical analysis framework of the impact was established.Finally,this research came up with an outlook of future research on the relationship between household leverage and financial asset allocation,in the aspects of research themes,data sources and measurements.This study provides certain theoretical basis and direction guidance for family finance related research,and also provides scientific reference for guiding family finance rational decision-making reasonably and controlling financial risks.
作者
吕芊慧
李秀婷
高鹏
LYU Qianhui;LI Xiuting;GAO Peng(School of Economics and Management,UCAS,Beijing 100190;Key Laboratory of Big Data Mining and Knowledge Management,Chinese Academy of Sciences,Beijing 100190)
出处
《科技促进发展》
2022年第4期514-522,共9页
Science & Technology for Development
基金
2020年国家自然科学基金面上项目(71974180):人口老龄化、住房租购决策与家庭金融资产配置,负责人:李秀婷
2019年国家自然科学应急管理项目(71850014):房地产市场与金融风险防范,负责人:董纪昌
2020年中科院支持项目(E1E90802A2):保障金融安全的科技支撑能力与对策研究,负责人:董纪昌。
关键词
家庭杠杆
金融资产配置
文献分析
household leverage
financial asset allocation
literature analysis
