Research On Statistical Measurement Of Household Financial Investment Risk And Its Avoidance Path

Since the reform and opening up,with the rapid development of China's economy,family idle funds have increased year by year.With the wide spread of the Internet,the access to financial policies,financial knowledge and financial products has become more convenient and fast.The financial investment awareness of residents' families has gradually increased,and the investment scale is also growing year by year.When making financial investment,every family expects that the existing assets can bring as high income as possible in the future,and can ensure that the present and future consumption can be satisfied as much as possible.However,due to the uncertain fluctuation of financial market price,the profit and loss of household financial investment are also uncertain.In other words,there are risks in household financial investment.So how to choose between risk and return is a problem that every family should consider when making financial investment.Under the guidance of portfolio theory,this paper combs the formation and avoidance mechanism of family financial investment risk,and establishes the measurement model and avoidance model of family financial investment risk.After the data definition,collection,sorting of relevant variables and the validity test of the model,the empirical analysis is carried out,the research conclusions are obtained,and the relevant policy suggestions are put forward.The empirical results show that the risk level of China's household financial investment is unstable,and there is still an upward trend;in recent years,the actual rate of return on bank savings investment is generally low,and the income of household financial investment is facing downward pressure;and because the probability of stock loss is generally higher than that of bond loss,in the actual financial investment structure,bank savings investment and stock trading investment are different The proportion is on the high side,the proportion of bond trading investment is on the low side,and the overall risk level is on the high side.According to the above conclusions,this paper puts forward the following policy suggestions to prevent the risk of family financial investment: first,relevant departments should strengthen the popularization of financial risk knowledge,improve the risk prevention awareness of family financial investment,and promote families to establish a correct concept of financial management;second,improve the degree of relevant information disclosure,enhance the self-management ability of financial institutions,and provide reference for scientific decision-making of family financial investment Thirdly,in order to prevent the rise of family financial investment risk,we should further optimize the family financial investment structure to ensure the risk minimization under the given income.