家庭金融资产

这将能解决日本多年存在的贸易盈余问题。鉴于家庭金融资产总值相当于年度国内生产总值（GDP）三倍多，可以开发利用的家底十分巨大。

It would address the perennial issue of Japan 's trade surplus and , with total household financial assets equivalent to more than three times annual gross domestic product , there is a huge buffer to exploit .

城镇居民家庭金融资产的分布模型

A model for financial capital distribution of city and town residents

居民家庭金融资产选择的实证研究

The Experimental Analysis of Household 's Choice of Financial Assets

我国家庭金融资产投资证券市场可行性研究

Feasibility Study on Family Financial Capital Investment in Stock Market in China

首先，对居民家庭金融资产选择的相关文献进行回顾和总结。

Firstly , the paper reviews former foreign and domestic research on household portfolios .

家庭金融资产选择行为的影响因素分析&基于江苏南京的证据

Analysis on the Influencing Factors in Household Financial Portfolio Selection & Evidence From Nanjing , Jiangsu Province

家庭金融资产管理：国外经验与我国对策

Household Financial Management : The Basic Theory and Experience of Western Developed Countries and Strategy in China

实证研究表明：收入、年龄、性别、房产等内因影响家庭金融资产的选择。

Empirical research shows that : income , age , gender , housing and other internal factors influence household financial assets portfolio .

随着债券、股票、基金、保险等金融产品的不断发展，家庭金融资产的投资选择行为也变得日益复杂。

With the development of bonds , stocks , funds and products of insurance , it becomes more complex for household financing choices .

三是金融意识薄弱的约束，金融意识的淡薄导致了家庭金融资产配置行为能力的不足；

The second constraint is increasing risk faced by the households , salary and consumption are the direct factors influencing households'asset allocation behavior .

通过国际比较，本文得出以下结论：我国金融市场发展尚不成熟，金融工具相对单一；我国家庭金融资产的结构也存在一系列的问题。

By international comparison , this paper believes that Chinese financial market is not yet mature , the lack of financial instruments severely restricted Chinese household portfolios .

第六部分在对城镇居民家庭金融资产结构实证分析的基础上，进一步从理论的角度研究了居民家庭投资组合的最优比例决策模型；

After the positive studying of financial asset possessive volume structure and its incremental structure , decision-making models on optimal proportional investment of urban households are further studied .

第三，在对家庭金融资产选择行为进行实证研究时，对配置行为做了进一步的细分，不仅考虑到储蓄、股票投资，还考虑到了债券、基金、保险等资产选择行为。

Third , this paper details the deploy actions for household financial assets choosing , not only considering deposits and stocks , but also bonds , funds and insurance products .

家庭金融资产的多元化，又会产生家庭金融财产性收入的多元化，出现利息收入、股息红利收入、资本利得和保险收益等等种类多样的财产性收入。

Diversification of household financial assets will result in diversification of household financial assets income , such as interest income , dividend income , capital gains , insurance benefits and so on .

其次，以西方消费&储蓄理论和现代资产组合理论等为基础，对影响居民家庭金融资产选择的主要因素进行一般性的理论分析，并对各种因素的影响机制及其之间的关系进行分析。

Secondly , based on the theory of consumption and saving and modern portfolio theory , the paper explores the mechanism of those crucial factors which influence portfolio choice and the relationship between them theoretically .

即使20多年前经济泡沫破裂，通货紧缩，日本家庭金融资产仍然位居世界第二（大约16万亿美元）。

All the deflation since the great bubble burst almost two decades ago has not changed the fact that Japan has the second largest household financial assets in the world ( about $ 16 trillion ) .

深入研究家庭金融资产选择行为问题具有非常重要的学术价值与实践意义，研究结果可为优化家庭金融资产投资、提升家庭财产性收入提供富有价值的对策建议。

Research the household financial portfolio choice in depth had very important academic value and practical significances , the results could provide valuable advices for the optimization of family financial assets and enhance residents ' property income .

此外，当家庭金融资产的投资标的中包含年金保险时，在不同变量的不同情况下，投资较多的年金保险能提高家庭生命周期的效用水平。

In addition , when the household financial assets of the investment targets included in the annuity , in the different variables under different circumstances , greater investment in the annuity can increase the utility level of the family life cycle .

其次，再利用家庭生命周期金融资产决策模型进行动态资产配置决策。

Secondly , the use of the financial assets of the family life cycle decision-making model for dynamic asset allocation decisions .

家庭债务相对金融资产的比例，也误导我们相信，基础债务的状况良好。

The ratio of household debt to financial assets also gave a misleadingly good impression of the healthiness of the underlying debt .

改革开放以来，我国居民家庭持有的金融资产总量和结构发生了较大变化，但仍存在诸如结构单一、金融工具缺乏等一系列问题。

Since reform and opening up , both the total amount and structure of the household financial assets have changed a lot , but there still are some problems about household portfolio of financial assets , such as the lack of financial instruments .

尽管这一点难以得到证实，但highfrequencyeconomics估计，债务负担最重的家庭可能没有什么金融资产可出售。

It is hard to prove , but high frequency economics reckons it is likely that the families most in debt have few financial assets to sell .

它与金融危机交织在一起，家庭和金融业的资产负债状况都在调整之中。

It combines a financial crisis with balance sheet adjustments in both the household and financial sectors .

日本家庭半数以上的金融资产是银行存款，只能得到0.05%的微薄利息。

Households hold more than half their financial assets in bank deposits , which earn a paltry 0.05 per cent .

与此同时，必须花大力气“清洗”家庭和金融系统的资产负债表。

At the same time , a big effort must be made to purge the balance sheets of households and the financial system .

必需花鼎实力“清洗”家庭和金融系统的资产欠债表。债转股无疑将成为需要行动。

A big effort must be made to purge the balance sheets of households and the financial system . A debt-for-equity swap is surely going to be necessary .

四是金融发展滞后的约束，我国资本市场还不是一个规范的投资市场，不适合作为家庭长期投资的平台，因此家庭的金融资产选择的范围被压缩在一个非常狭小的空间里。

The third constraint is the weak financial awareness , and the fourth constraint is the lagged financial development , the households'financial asset choices are limited to a very narrow space .

至2004年末，约9O%的共同基金份额被个人投资者所持有，几乎有一半的美国家庭拥有共同基金资产，大约20%家庭持有的金融资产投资于共同基金。

Almost one half of the household have the fund accounts , and approximately 20 percent of household financial asset is invested in mutual fund .

随着我国家庭财富的显著上升和金融市场的不断发展，金融资产在家庭资产中的比重越来越大，家庭金融资产选择行为也变得更加复杂。

Along with the significant rising in household wealth and continuous development of financial markets , the proportion of financial assets in household assets increasing . The household financial portfolio choice had become more complex .