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“80后”家庭风险态度和投资分散化的研究
刘文贵,姚佐文
0
(安徽农业大学经济管理学院)
摘要:
基于2016年合肥市“80后”家庭金融调研数据,将3种不同风险水平的金融资产分类为7种资产组合,并将新型互联网金融引入到投资组合分类中,研究不同家庭规模投资者风险态度和投资组合分散化程度关系。研究发现,“80后”家庭风险厌恶程度低于全国城镇家庭平均水平,投资分散化程度高于全国城镇家庭平均水平;“421”家庭持有的投资组合分散化程度高于非“421”家庭;“80后”家庭投资分散化程度受收入水平影响较大,房产对其投资分散化具有明显的挤出效应。
关键词:  “80后”  “421”家庭  家庭金融  投资分散化  风险态度
DOI:
基金项目:
Risk Attitudes and Investment Diversification of “After 80s” Families
LIU Wengui,YAO Zuowen
(School of Economics and Management, Anhui Agricultural University)
Abstract:
Based on financial survey data of “after 80s” families in Hefei, this paper classified three levels of financial asset risks into seven asset portfolios, and studied the relationship between risk attitudes and investment diversification of the investors from different families by introducing Internet finance into the classification of investment portfolios. Research results show that: risk aversion of “after 80s” families was below national average of urban households, but their investment diversification higher than the average; investment diversification of “421” families was higher than that of “non-421” families; and income level greatly influenced investment diversification of “after 80s” families, and household property had an obvious crowding-out effect on the diversification.
Key words:  “after 80s”  “421” families  household finance  investment diversification  risk attitudes

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