中等收入群体崛起对金融机构影响研究

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摘要：本文基于马科威茨资产投资组合理论，将中等收入群体崛起这一中国社会的发展趋势作为研究背景，着重分析了中等收入群体风险偏好方面的变化对金融机构的影响以及应对策略。本文认为，随着中等收入群体人口比重的提高，整个社会个人投资者面临的无风险收益率将会下降，风险资产的可行集效率边界的曲率将会变化，投资者的效用无差异曲线将会变平坦并向右上方移动，结果就是投资者的最优资产组合更加偏向于风险资产的市场组合。各个金融机构需要根据这一变化趋势，合理转变经营理念，抓住机遇，促进发展。
关键词：中等收入群体；投资组合理论；风险偏好；金融机构；个人理财
Abstract：Based on Markowitz’s asset portfolio theory, the rise of the middle-income groups and social development trend of China as a research background, this paper focus on the affection on financial institutions because of the changes in risk preferences of the middle-income groups, as well as coping strategies. This paper believes that as the proportion of middle-income groups of population increase, the entire community faced by individual investors will be that, risk-free rate of return will be reduced, risk assets feasible set efficiency of the border will be the curvature change, the effectiveness of investors curve will be no difference Mobile top right flat and variable. As a result, the optimal portfolio will be more biased in favour of the market portfolio risk assets. According to this trend, various financial institutions need to change, reasonable change management idea, seize the opportunity and promote development.
Keywords：Middle-income groups； portfolio theory；risk preferences；financial institutions；personal finance

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关键词：金融机构 中等收入 影响研究 Institutions Institution 研究 收入 金融机构 群体

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