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本文在对“资产荒”的原因进行简单解析的基础上,通过无风险利率、股市调整、债市泡沫、信贷需求和海外配置五个方面阐述了“资产荒”的表现,最后从银行理财挂钩金融创新、互联网金融看前景理念、基金投资辨风格偏长期、股票投资重改革+创新、海外配置分散是原则五个角度对个人投资渠道的选择进行了优化。
Based on a simple analysis of the causes of “asset shortage”, this paper expounds the performance of “asset shortage” through five aspects of risk-free interest rate, stock market adjustment, bond market bubble, credit demand and overseas allocation. Finally, The choice of individual investment channels has been optimized from the perspective of financial management linked to bank financing, the concept of prospect in Internet finance, the long-term investment fund identification style, the reform of stock investment + innovation and the decentralization of overseas distribution.