| 摘要: |
| 摘 要：随着科技进步和社会发展，数字金融作为一种新的金融形态，为家庭金融资产配置提供了更多的选择和便利。本文基于家庭金融资产配置理论详细阐述了家庭金融资产面临的三大困境：信息有限性、金融素养有限性和金融接触有限性，得出数字金融在一定程度上能够正向推动家庭金融资产配置。基于此，提出持续推进数字金融的建设与发展、提升居民的金融素养和加强数字化信息的监管，以期进一步优化我国家庭金融资产配置结构。 |
| 关键词: 关键词：数字金融；家庭金融资产配置；信息不对称；金融素养；金融可得性 |
| DOI： |
| 分类号:F832 |
| 基金项目: |
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| Research on the Impact of Digital Finance on Household Financial Asset Allocation |
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LIU Lan-qin
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（School of Finance , Xinjiang University of Finance and Economics）
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| Abstract: |
| Abstract: With the advancement of technology and social development, digital finance, as a new form of finance, has provided more choices and convenience for household financial asset allocation. Based on the theory of household financial asset allocation, this article elaborates on the three major challenges faced by household financial assets: limited information, limited financial literacy, and limited financial exposure. It is concluded that digital finance can positively promote household financial asset allocation to a certain extent. Based on this, it is proposed to continue promoting the construction and development of digital finance, improving residents' financial literacy, and strengthening the supervision of digital information, in order to further optimize the allocation structure of household financial assets in China. |
| Key words: Key words: Digital Finance;Household Financial Asset Allocation; Information Asymmetry; Financial Literacy; Financial Availability |
