一直以来家庭资产配置没有受到理论和实务界足够的重视,最重要的原因在于我国居民家庭资产配置受到比较严重的抑制,家庭财富过多配置房产,金融资产集中于储蓄存款,家庭资产组合比较简单。然而,随着各类理财产品,特别是银行理财产品的大发展,我国家庭资产开始经历一场史无前例的大迁徙。 The most important reason is that the allocation of household assets in our country has been severely inhibited. The family wealth is too much allocated to real estate. The financial assets are concentrated in savings deposits. The family asset portfolio is relatively simple . However, with the great development of various wealth management products, especially the wealth management products of banks, the family assets in our country have undergone an unprecedented large-scale migration.