财富、负资产构造与家庭投资困境分析
Wealth,Negative Assets Structures and Investment Dilemma
阎波 1刘帅2
作者信息
- 1. 湖南汽车工程职业学院 协同创新中心,湖南 株洲 412001
- 2. 湖南理工大学 经管学院,湖南 岳阳 414000
- 折叠
摘要
家庭财富构造包括正财富构造、负财富构造、0 财富构造.负财富构造的表现形式是家庭负资产构造.家庭的幸福指数公式可用家庭财富构造值和计算式焦虑这两个因子来度量.家庭负资产构造与计算式焦虑以及资产收益率密切相关,家庭负资产构造导致家庭消费下降并带来连锁负效应,计算式焦虑视角下的投资观更适用于普通家庭投资者,计算式焦虑与家庭财富构造的优化组合更能缓解家庭投资困境.
Abstract
Family wealth structures include positive wealth structure,negative wealth structure and the zero wealth structure.The formula of family happiness index can be measured by two factors:family wealth structure value and computational anxiety.The structure of household negative equity is closely related to computational anxiety and return on assets.The negative equity structure leads to the decline of house-hold consumption and brings negative chain effect.The investment view from the perspective of computational anxiety is more applicable to ordinary household investors,and the optimal combination of computational anxiety and household wealth structure can better alleviate the household investment dilemma.
关键词
负资产构造/计算式焦虑/家庭理财/幸福指数/投资困境Key words
Negative asset structure/Computational anxiety/Family financial management/Happiness index/Investment dilemma引用本文复制引用
基金项目
国家社会科学基金一般项目(19BJY115)
出版年
2024
NETL
NSTL
维普
万方数据