拆迁农民家庭资产组合研究——以湖南省为例 Research of the Demolition Farmers’ Household Assets Portfolio—The Case of Hunan Province

文章运用现代资产组合理论，以湖南省数据为例，对拆迁农民家庭理财进行定量研究。选择了适合拆迁农民的投资产品和工具，构建了资产组合模型，利用2001年至2015年间投资收益数据，计算了最优资产组合比例，并加以敏感性分析，为拆迁农民家庭的资产配置提供决策建议，以实现其家庭资产效用最大化。 The paper applies the modern portfolio theory, takes the data of Hunan Province as example, and makes a quantitative study on the demolition farmers’ household financial management. It chooses the suitable investment tools for the demolition farmers, constructs the portfolio model, uses the investment revenue data from 2001 to 2015, calculates the optimal portfolio ratio and makes the sensitivity analysis, and provides the decision-making suggestions about the asset allocation of the demolition farmers’ household, to maximize the effectiveness of the household assets.