基于文献综述的家庭杠杆率与金融资产配置研究

本研究基于文献分析探究了家庭杠杆率成因及其对家庭金融资产配置的影响，从家庭杠杆的成因和效应以及家庭金融资产配置的测度和影响因素等角度，系统梳理了家庭杠杆和金融资产配置整理相关研究，厘清了家庭杠杆率对家庭金融资产配置的影响机制，提出了杠杆率对家庭金融资产配置影响的理论分析框架，并从研究方向、数据基础、测度指标3个层面提出了家庭杠杆率与金融资产配置关系的未来研究方向。本研究为家庭金融相关研究提供了一定的理论基础与方向指导，也可为合理引导家庭金融理性决策、有效管控金融风险提供科学参考。

Household Leverage and Financial Asset AllocationA Literature Review

Based on literature analysis, this study explored the causes of the household leverage ratio and its impact on household financial asset allocation, from the perspectives of household origin and effect as well as household financial asset allocation''s measurement and influence factors, reviewed the studies on household leverage and financial asset allocation. Then, the impact mechanism of leverage ratio on household financial asset allocation was clarified, according to which a theoretical analysis framework of the impact was established. Finally, this research came up with an outlook of future research on the relationship between household leverage and financial asset allocation, in the aspects of research themes, data sources and measurements. This study provides certain theoretical basis and direction guidance for family finance related research, and also provides scientific reference for guiding family finance rational decision-making reasonably and controlling financial risks.