城镇居民金融资产选择问题探析

吉首大学学报（社会科学版） ›› 2011, Vol. 32 ›› Issue (6): 134-136.

城镇居民金融资产选择问题探析

（中南林业科技大学农林经济管理研究中心，湖南长沙 410004）

出版日期:2011-11-15 发布日期:2012-03-08
作者简介:王慧青（1973-），女，湖南永州人，硕士，中南林业科技大学讲师。 尹少华（1963-），男，湖南澧县人，博士，中南林业科技大学教授。

Study on Chinese Urban Denizens’ Choice in Financial Assets

(Center of Economy and Management Research on Agricultural and Forestry,Central South University of Forest and Technology,Changsha,Hunan 410004,China）

Online:2011-11-15 Published:2012-03-08

摘要/Abstract

摘要：我国城镇居民在金融资产选择中存在城乡居民金融资产选择的差距继续扩大、预防性资产比重偏大、金融资产结构层次仍相对较低、可选择的金融产品范围狭小、资本市场不完善等诸多问题，需要通过设法增加居民收入，解决收入差距过大的问题、健全社会保障体系、推动和鼓励金融创新、完善资本市场等一系列措施来不断优化居民金融资产选择行为。

关键词： 城镇居民, 金融资产选择, 金融资产结构

Abstract: There are some problems related to urban denizens’ selection of financial assets.The differences between the financial assets available to residents in the town and in the country continue to be enlarged;preventive assets are relatively large;the structure of financial assets is still at a low level;financial products in the market are with a narrow range;capital market is imperfect and so on.We suggest to improve this situation and optimize denizens’ choice of financial assets from the following aspects:increasing the income to shorten the gap between denizens;improving the social security system;promoting and encouraging financial innovation;perfecting capital market.

Key words: urban denizen, choice of financial assets, structure of financial assets

王慧青, 尹少华. 城镇居民金融资产选择问题探析[J]. 吉首大学学报（社会科学版）, 2011, 32(6): 134-136.

WANG Hui-Qing, YIN Shao-Hua. Study on Chinese Urban Denizens’ Choice in Financial Assets[J]. Journal of Jishou University（Social Sciences）, 2011, 32(6): 134-136.