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金融市场迅速发展,人民生活水平不断提高,可支配收入逐渐增加,人们越来越多地进行对外投资。然而当前我国家庭投资产品单一,缺乏多样性,这不利于家庭财富的增值保值,也不利于金融市场经济的发展。本文通过对金融知识对家庭投资组合多样性产生的影响进行理论分析,进一步论证了金融知识对家庭投资多样性有显著正向影响,即金融知识水平掌握越多的家庭,更倾向于购买多项金融产品,投资组合更具有多样性,进而对如何提高投资者金融知识水平、提高家庭投资组合多样性提出自己的建议。
The rapid development of financial markets, continuous improvement of people’s living standards, gradual increase in disposable income, and increasing investment in foreign investment. However, at present, the family investment products in our country are single and lack of diversity. This is not conducive to the added value and hedging of family wealth, nor is it conducive to the development of the financial market economy. By analyzing the influence of financial knowledge on the diversity of family portfolios, this paper further proves that financial knowledge has a significant positive impact on the diversity of family investment. That is, households with more knowledge of the financial knowledge tend to buy more Financial products and investment portfolios are more diversified, and then put forward their own proposals on how to raise the level of investor financial knowledge and increase the diversity of family portfolios.