Research On Optimizing The Household Asset Allocation Of Tianjin Residents

As one of the four municipalities directly under the central government in our country and the antecedent area of China's reform and opening-up,Tianjin's economic and social development level should be higher than the national average.As the main body of the microscopic economic activities,households' economic behavior should play a leading and exemplary role in the country.That is to say,Tianjin should take the lead in achieving the goal of building moderately prosperous society when the deadline is approaching.Comprehensive well-off means that household economy completely get rid of the constraint of survival demand,the economic center of gravity began to solve the developing demand and enjoy the demand.Corresponds to the stage,most of the household shrift their economic behavior from consumer centered economic choice to give priority to with asset allocation of economic activity.It is not only the premise and basic basis for optimizing the asset selection,but also the logical starting point for financial innovation and healthy and stable operation.The object is household assets choice behavior of tianjin.Design the related statistical survey scheme for the sampling survey data of 573 households.Then based on the survey data,analyze the characteristics of the household of asset allocation in Tianjin.On this basis,combining with tobin portfolio selection theory discusses the household assets choice behavior in Tianjin,revealing the existing problems in the process of choosing family assets and analyze the causes of these probleums.Explore the optimization and path in Tianjin residents family asset allocation.Finally,put forward some countermeasures to solve the problems that may arise in the optimization of household asset allocation in Tianjin.The research shows that most residents of Tianjin family assets less choice category,a single structure,focus on asset allocation property and saving,13.40%of households will put almost all on real estate assets.The city's household savings rate is as high as 76%,far higher than the level of the western developed countries,and even significantly higher than the saver nations.Risk financial assets allocation proportion is low,only 10.8%of households in the city hold the stock asset classes.The main factors affecting the household assets selection of Tianjin residents include:(1)income:(2)the degree of education;(3)financial knowledge;(4)burden from children and children's gender,etc.In the current housing bubble serious cases,the family asset allocation among residents of Tianjin risk faced more and more big risk.Reducing the housing allocation and increasing financial assets such as gold and equity allocation has extremely important meaning for optimiing the structure of family assets.