In recent years，Household finance research has gradually become a hot issue in the field of finance research。Currently，Relevant research mainly focuses on the performance of bet365 bonus code indiana participation in financial market behavior、Summary and examine the effects and influencing factors，Under relatively complete modern financial market conditions，Taking modern and contemporary household financial market participation behavior as the research object，Take analysis of the formation mechanism of modern and contemporary household financial market participation behavior as a research goal，Discuss with the help of modern quantitative economic analysis methods。This type of research focuses on modern and contemporary economic society，Putting the bet365 bonus code indiana in a complete state、Consider it in the financial market with "modern" characteristics，Trying to discuss how families can optimize their financial decisions with the help of a variety of impersonal explicit financial tools，And the impact mechanism and effect of various variables on household financial behavior。

However，If you want to have an in-depth look at the research field of household finance，We need to return to the research and understanding of the basic microeconomic organization of the bet365 bonus code indiana，Starting from the ancient historical category of bet365 bonus code indiana，Expand the research perspective to the historical evolution of the bet365 bonus code indiana itself，Take the logical relationship between the evolution and development of the bet365 bonus code indiana itself and bet365 bonus code indiana financial behavior as the research object，Taking the interactive influence path and mechanism between the two as the research goal，Use historical materialism、Research methods such as dialectics and abstraction，Analysis of the generation mechanism and characteristics of household financial behavior，Explore the scientific laws behind the development of bet365 bonus code indiana finance。

　　bet365 bonus code indiana historical evolution and bet365 bonus code indiana financial activities

The process of continuous evolution of human economic activities，Essentially, it is the process of avoiding and controlling risks and maximizing returns。In this process，bet365 bonus code indiana has existed to this day as an important micro-organizational form for humans to avoid survival risks at different stages of economic development。In the age of ignorance experienced by mankind、In the process of barbaric era and civilized era，The original group existed as the earliest form of bet365 bonus code indiana，Since then, they have experienced blood families、Punalua group bet365 bonus code indiana、bet365 bonus code indiana forms such as dual bet365 bonus code indiana and monogamous bet365 bonus code indiana。In this historical change process，The main risk faced by bet365 bonus code indiana members is always an existential risk。In the case of low individual ability to resist nature，The bet365 bonus code indiana form adopted at different stages of productivity development based on the goal of "survival" was the most effective way to avoid survival risks at that time。bet365 bonus code indiana functions under different historical conditions are mainly reflected in two aspects: first，Production function，That is, to carry out two types of human production activities (the production of material materials and the production of human beings themselves, that is, the reproduction of species)；Second，Assign function，That is, distributing results among members within the bet365 bonus code indiana。The existence of the bet365 bonus code indiana provides important institutional guarantee for the performance of the above two functions，The blood relationship that is constantly smoothed，Dominates the continuous development of the primitive group and the development of the first type of production activities within the group，And ensure that the accumulation of production skills and experience can be passed down from generation to generation through pure blood relationships，Effectively improve the bet365 bonus code indiana's production efficiency and bet365 bonus code indiana members' survivability，The effect of survival risk avoidance continues to improve。

After the emergence of exchange activities outside the bet365 bonus code indiana，The concept of property begins to derive and spread in the bet365 bonus code indiana。Property is an inevitable product of the continuous development of social productive forces，is the expression of remaining product。The acquisition and control of property has gradually become an important way of bet365 bonus code indiana financial activities。Until now，Property allocation is also considered to be the core of bet365 bonus code indiana financial activities。Property is closely related to the basic need to obtain the means of living。The emergence of property itself，It has important significance in promoting the evolution of bet365 bonus code indiana forms and the development of financial activities。With the continuous deepening of the commodity trading process，The expression forms of property are gradually showing a diversified trend。When money is gradually separated from commodities，After starting to play an important role in economic activities，Due to the objective existence of currency fetishism，The need for expansion using currency as a form of property expression began to appear，Humanity has begun the pursuit of currency。On the basis of continuously resolving and controlling survival risks，bet365 bonus code indiana functions begin to expand towards property accumulation。With bonds、The continuous emergence of financial instruments such as stocks，The ways for bet365 bonus code indiana members to obtain property expansion are gradually becoming more abundant，Coupled with the increasing level of technical analysis of the use of financial instruments，bet365 bonus code indiana financial activities appear more scientific and rational。

　　Early bet365 bonus code indiana tool

In the original group stage，The only wish of the group members is to live，Tribal public ownership can meet this basic survival need。Under the circumstances of backward productivity level and living conditions，The population lifestyle of a large population has a higher probability of survival，The corresponding small bet365 bonus code indiana is obviously not suitable for the productivity situation at that time。In the context of that time，The main function of public ownership tribes is to provide necessary survival guarantees for human individuals。After survival needs are met，Increase in age of group members，Their labor capacity will gradually decrease，According to the principle of distribution according to work，The level of participation in labor will determine the amount allocated to the means of living。Therefore，Older group members require additional product support from younger members。The premise for such a support mechanism to be implemented is，The period from birth to when young members participate in labor，Needs to be supported by adult elders。

This kind of inter-temporal two-way support and support behavior is the main manifestation of early bet365 bonus code indiana financial needs，The essence is an informal and incomplete contractual relationship governed by blood。Bloodline dominance has always been the most important form of credit expression，Some scholars believe that “its transaction costs are the lowest，Minimum cost of breach of contract，This is particularly prominent when non-blood personified transaction subjects such as external financial markets have not yet emerged.”。This form in the subsequent social development，Blood ties are given stronger binding legal norms and moral teachings，The traditional culture of "filial piety and brotherhood" was formed and has been passed down to this day。Blood relationship has become an implicit institutional guarantee for production collaboration and credit transactions among bet365 bonus code indiana members。

　　Hedging tool bet365 bonus code indiana implementation of external exchange

Manifestation 1: Security bet365 bonus code indiana begin to be realized through the impersonal means of informal contract security。

The premise for the emergence of external exchange behavior within the household is the emergence of surplus products after productivity increases。These remaining products are controlled and owned by the tribal leaders，Can exchange products with other tribes。The continuous development of productivity eventually leads to the emergence of private ownership。After the establishment of private ownership，Families begin to have the legal basis and protection to engage in financial activities，The bet365 bonus code indiana’s inherent interest exchange function based on blood relations as the basis of credit begins to seek to expand externally。In Western Society，This expansion process first manifests itself in the social organization represented by the church。

In comparison，The main manifestation of the expansion of bet365 bonus code indiana boundaries in ancient my country is the rise and development of clans。Take the Northern Song Dynasty in my country as an example，The characteristics of bet365 bonus code indiana miniaturization in the Song Dynasty have been very obvious，The clan organization with the purpose of “respecting the clan and coordinating the clan” has developed greatly。In this context，Yitian is a private establishment、Relief organizations relying on bet365 bonus code indiana strength became the most representative pension security system at that time，Among them，Fan's Yizhuang, established by Prime Minister Fan Zhongyan, has become a model recognized by all dynasties as a model of the clan system。my country’s Tang Dynasty period，Farmer families often have large consumption expenditures such as funerals, weddings, etc.，This often leads to a situation where one cannot make ends meet，Folks often overcome difficulties through mutual aid and association。This is also a typical example。

Performance 2: The bet365 bonus code indiana market officially appears，Marks the move from the impersonal means of realizing informal contract guarantees to the impersonal means of realizing formal contract guarantees。

The historical process of the emergence of financial markets will not be traced in detail here，Instead, it focuses on analyzing the impact of the emergence of financial markets on household financial behavior and the "loosening" of informal contract guarantees。Formal contract characteristics of modern financial markets，Mainly manifested in the fact that the rights and obligations between the two parties who use financial means to conduct transactions are restricted and protected by the mandatory contract of law。The development of financial markets，Provide market participants with a wide variety of financial products，These products can meet the financial needs of consumers at different levels，In the transaction contract，Clear relationship between rights and obligations，Clear returns, risks and transaction periods，The risks and transaction costs borne by both parties to the transaction are significantly reduced。In this way，Many financial needs that were originally guaranteed through informal contracts such as bet365 bonus code indiana blood are gradually being met through financial market channels，The individual’s dependence on the bet365 bonus code indiana gradually decreases，And turn to financial markets。

　(This article is a phased result of the Humanities and Social Sciences Youth Fund Project of the Ministry of Education "Research on the Effectiveness of bet365 bonus code indiana Asset Allocation of Chinese Residential Households" (16YJC790151)

(Author’s unit: School of bet365 bonus code indiana, Anhui University of bet365 bonus code indiana and Economics)