在对个体金融决策基本框架及家庭金融特征分析基础上,主要从行为金融学视角,对近年来国内外家庭金融研究进行系统述评,包括家庭投资决策研究回顾,市场参与决策、投资组合决策及交易决策等;家庭消费决策研究回顾,包括储蓄行为,住房抵押贷款以及信用卡贷款;中国市场家庭金融研究回顾等.试图通过对近年来家庭金融理论研究工作的回顾,为家庭金融领域的研究梳理出一个较为系统的理论框架,同时在此基础上,进一步结合中国市场特色,提出中国市场家庭金融领域的未来研究方向.
This paper reviews related researches about household finance from the perspective of households' behavioral bias,based on the analysis of financial decision-making framework and household's characters,including: household's investment decision,including stock market participation decision,portfolio selection and investors' transaction decision;household's consuming/saving decision,including saving,mortgages and credit card loans;related researches about household finance in China et al..Through the systematic review of researches about household finance,this paper tries to make out the main research framework for household finance,and also shows potential research directions in China through considering the special background of Chinese market.