摘要
随着经济的快速发展，资本市场发展迅速，居民的收入也在不断增加。金
融产品的不断更新和创新为居民金融资产配置提供了更多的渠道。更多家庭不
满足于现金和储蓄类金融资产的投资，开始寻求家庭金融资产的增值，追求家
庭金融资产配置的多元化，了解并涉及风险类金融资产。河南省作为国家中部
建设的重点，在新丝路经济带中的地位举足轻重，居民家庭金融资产配置应该
随着河南省经济地位的提升而进行相应的改变或调整，同时也要顺应国内资本
市场的发展。因此，深入了解城镇居民家庭金融资产配置状况，剖析城镇居民
家庭金融资产配置中的问题，是保证河南省经济稳健发展的前提之一。
本文以河南省城镇居民家庭金融资产配置为研究对象，通过设计调查方案，
从河南省城镇居民家庭金融资产配置的多个方面进行统计调查，获取城镇居民
家庭金融资产配置的相关调查数据。以调查数据为依据，对河南省城镇居民家
庭金融资产配置持有情况及配置结构进行分析，揭示了河南省城镇居民家庭金
融资产配置中出现的一些问题以及影响河南省城镇居民家庭金融资产配置的因
素。最后，针对河南省城镇居民金融资产配置问题，提出相应的优化措施。
通过调查研究，得出河南省城镇居民家庭金融资产配置存在的主要问题包
括：（1）河南省城镇居民家庭金融资产配置类别较少、结构单一；（ 2）家庭
金融资产配置态度保守；（3）收入水平有待提高；（4）受教育程度与金融知
识有待提高。出现以上问题的主要影响因素有居民家庭收入水平、居民性别及
年龄、居民受教育教育程度与金融知识、居民家庭结构、居民金融资产配置态
度、居民对金融资产的类别偏好等。在当前的宏观经济状况下，河南省城镇居
民家庭金融资产配置需从以下方面进行优化：（1）提高河南省城镇居民收入水
平；（2）转变城镇居民金融资产配置理念；（3）城镇居民家庭的自我金融赋
能；（4）城镇居民进行家庭金融资产配置过程中，要丰富配置类别。
关键词：家庭金融；资产配置；城镇居民；收入水平；配置偏好
1

Abstract
With the rapid development of economy and capital market, residents' income is
increasing. The continuous renewal and replacement of financial products have
provided more channels for residents to allocate financial assets. More families are
not satisfied with the investment of cash and savings financial assets, and begin to
seek the appreciation of family financial assets, pursue diversification of asset
allocation, which involves the field of risky financial assets. As the focus of central
construction of China, Henan Province plays a pivotal role in the New Silk Road
Economic Belt. The financial asset allocation of households should be changed or
adjusted accordingly with the improvement of Henan's economic status. At the same
time, it should conform to the development of domestic capital market. Therefore, it
is one of the prerequisites to ensure the steady economic development of Henan
Province to have a thorough understanding of the financial asset allocation status of
urban households and to analyze the problems in the financial asset allocation of
urban households.
This paper takes the financial asset allocation of urban households in Henan
Province as the research object. Through the design of the survey scheme, the author
makes a statistical survey from many aspects of financial asset allocation of urban
households in Henan Province, and obtains the relevant survey data. Based on the
survey data, this paper analyzes the financial asset allocation and structure of urban
households in Henan province, revealing some related problems and the factors that
affect the financial asset allocation. Finally, in view of the financial asset allocation of
urban residents in Henan Province, the corresponding optimization measures are put
forward.
Through the investigation and research, the main problems of financial asset
allocation of urban households in Henan Province are as follows :(1) The financial
asset allocation category of urban households in Henan Province is less, and the
structure is single; (2) The household financial asset allocation attitude is
conservative; (3) The income level need to be improved; (4) The educational level
2
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