浅析互联网金融对家庭资产配置的影响.doc

PAGE 28 浅析互联网金融对家庭资产配置的影响 摘要：在互联网金融的快速发展，尤其是发展迅猛的第三方支付、网络理财产品强势的进入人民生活里，影响了现代家庭资产配置方式。因互联网金融相比传统金融模式的推广和运营成本都比较低，并且互联网金融的市场开拓和新的金融产品推出难度也相对简单，所以相对于传统的金融模式，家庭通过互联网金融来进行资产配置的交易成本和配置门槛都比较低、互联网金融的传播速度和预期收益率都比较有优势。 现今我国经济发展处在粗放型增长模式转向提高生产力水平及生产效率阶段，我国家庭的总体收入迅猛增长和家庭的可支配收入不断提高，则家庭的可投资资产也增多。因此，本课题通过分析互联网金融迅速发展的背景下家庭资产配置发展现状中的优劣势和影响主要方面，并为促进家庭资产配置的效用提出具体的改善策略和建议。 关键词： 互联网金融 资产配置 家庭 The Impact of Internet Finance on Household Asset Allocation in China Abstract：With the rapid development of Internet finance, especially the rapid development of third-party payment and the strong entry of Internet financial products into peoples lives, the allocation of modern household assets has been affected.Because the promotion and operation costs of Internet finance are lower than those of traditional financial models, and the market development of Internet finance and the introduction of new financial products are relatively simple, the transaction costs and allocation thresholds for households to allocate assets through Internet finance are lower than those of traditional financial models, and Internet finance has advantages in terms of transmission speed and expected return rate. At present, Chinas economic development is in the stage of extensive growth mode turning to improving productivity level and production efficiency. With the rapid growth of the overall income of Chinese families and the continuous improvement of their disposable income, the familys investable assets also increase.Therefore, this topic analyzes the advantages and disadvantages of the current situation of the development of household asset allocation under the background of the rapid development of Internet finance and the main aspects of its impact, and puts forward specific improvement strategies and suggestions to promote the effectiveness of household asset allocation. Key Words： Internet Finance, Household Asset Allocation,Family ， 目 录 TOC \o 1-3 \h \u 21727 第1章、绪论 7 20635 1.1、选题背景 7 623 1.2、文献综