摘要：良好的家庭金融资产配置对家庭财富积累具有积极作用。在投资盈利能力的归因分析中，90%以上的回报是由资产配置决定的，这是长期投资成功的关键因素。本文将利用CHFS的数据依次描述中国家庭资产的特征、影响家庭金融资产配置的因素以及疫情下家庭金融资产配置的特征，并根据这些特点提出建议，帮助中国家庭经济更好地应对疫情挑战。

关键词： 家庭金融资产配置；资产配置；疫情；家庭财富结构

目 录

摘 要

Abstract

Contents

1 Introduction-1

1.1 Topic selection background and significance-1

1.2 Domestic literature review-2

1.3 Research methods-3

2. Analysis of characteristics of family assets in our country-4

2.1 Relatively homogeneous and unevenly distributed-4

2.2 Too large a proportion of the property-5

2.3 Standard & Poor's household asset allocation-7

2.3.1 Daily consumption account-8

2.3.2 Insurance account-8

2.3.3 Investment income account..9

2.3.4 Long-term income account.9

3. Factors affecting the allocation of household financial assets.9

3.1 Inter-generational care.9

3.2 The risk attitude of Chinese family members.10

3.3Wealth effect, education level effect, and regional heterogeneity.11

3.4 The subjective well-being of family members. 13

3.5 Social interaction.13

3.6 Age, income, and marital status14

3.7 Financial fraud..14

4. Analysis of household financial assets allocation under the epidemic-15

4.1 Beginning of the outbreak-16

4.1.1 The shrinkage of household financial assets-16

4.1.2 Weaker cash flows and increased liabilities in low-income group-16

4.1.3 Shrinking consumption, widening income gap-17

4.1.4 Severe reduction in household wealth in severe outbreaks areas-19

4.2 Latter period-20

4.2.1 Overall increase in household wealth.20

4.2.2 Increasing incomes for people in different occupations.21

5. Suggestion.22

5.1 Chinese households to invest less in property.22

5.2 Shift in asset allocation f rom property to financial assets.22

5.3 Make plans for consumption expenditures and diversify investment..23

6. Conclusion-25

References-26

Acknowledgements