【摘要】 基于2013年CHIP入户调查数据,构建并应用系统耦合模型,从家庭微观视角全面解析了信任度、人力资本与金融资产配置合理性三者之间的协调性特征。结果表明:第一,各省份三者的耦合协调关系都处于濒临失调衰退状态,且绝对水平较低,省份之间存在一定的差别,整体上呈现由东到西递减态势。第二,家庭的脑力素质水平越高,对外部的信任度越低,则其金融资产配置越合理。第三,总体看,家庭人力资本与金融资产配置合理性对三系统耦合度的影响大于信任度对三系统耦合度的影响,人力资本对金融资产配置合理性具有正向促进作用。更多还原

【Abstract】 Based on CHIP’s household survey data in 2013, the paper constructed and applied systemic coupling model and made comprehensive analysis on the coordinative features of degree of trust, human capital and the rationality of financial asset allocation from the micro perspective.The results are as follows. First, the coupling coordination relationship of these provinces is imbalanced and remains at an absolute low level. Second, the higher level of mental quality of the familyis, the lower level degree of trust they have in the outside, the more reasonable allocation of financial assets they have. Third, in general, the influence of family human capital and financial asset allocation on the coupling degree of three systems is greater than the influence of trust degree on the coupling degree of three systems. Human capital has a positive effect on the rationality of financial asset allocation.更多还原