摘要
虽自市场化改革以来我国金融市场得到了极大扩展,金融风险投资产品进入寻常家庭,但居民家庭的“有限参与”问题仍阻碍着家庭财富的合理配置以及金融市场的健康发展。在寻找解决之法的同时,应该意识到目前社会养老保险虽有利于扩大家庭金融投资,但更多局限于高收入家庭,对解决“有限参与”问题并不具有较大效力。未来应进一步从金融风险产品的设计、推广以及改变中等及以下收入家庭的财富管理理念等方面着手,实现家庭资产的优化配置与金融市场的活力发展。
Although China's financial market has been greatly expanded since the market-oriented reform,and financial risk investment products have entered ordinary households,the“limited participation”of households still hinders the rational allocation of family wealth and the healthy development of the financial market.While looking for solutions,we should realize that although the current social endowment insurance is conducive to expanding family financial investment,it is more limited to high-income families and does not have great effect on solving the problem of“limited participation”.In the future,we should further design and promote financial risk products and change the wealth management concept of middle-income and lower income families,so as to realize the optimal allocation of family assets and the dynamic development of the financial market.
作者
廖彬
陈龙
Liao Bin;Chen Long(School of Public Administration,Nanjing University of Finance&Economics,Nanjing,Jiangsu,210023;Jinzhai Huashi Experimental School,Lu'an,Anhui,237300)
出处
《市场周刊》
2023年第2期6-9,39,共5页
Market Weekly
基金
江苏省研究生科研与实践创新计划项目(项目编号:KYCX21_1405)。
关键词
养老保险
家庭金融投资
“有限参与”
endowment insurance
household financial investment
“limited participation”
