Common Wealth is the essential requirements of socialism，It is an important feature of Chinese -style modernization。steadily promoting Chinese -style modernization，It is inseparable from the promotion and support of family financial development。One aspect，With the continuous improvement of home disposable income levels，Residents began to have enough surplus funds to participate in the financial market for asset allocation to obtain more property income，When realizing the optimization of the income structure, reducing the risk brought by the single nature of the source of income，This is also in line with the requirements of "multi -channel increasing the proportion of property income in urban and rural residents' property income to increase property income"; on the other hand,，The development of the financial market also solves financing needs for the family、Meeting the decision -making decision to meet consumer provision provides possible。

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The inner place of the financial system has a periodic、Features such as vulnerability and externality，In addition, residents who are important participants as the financial market themselves are educational level、Cognitive ability、There are significant differences in financial literacy，This difference will be during the development of family financial activities，It is reflected in the two dimensions of financial fairness and efficiency。

According to the theory of financial subject ability，Different residents are in capital strength、Professional、There are significant differences in the ability of information search and thinking cognition，This difference makes the income of residents in family financial activities.，Finally caused financial bet365 live casino games unfairness。Specific: financial exclusion、Credit constraints、Financial accessability、Financial vegetarian differences, etc.。The main starting point of ensuring financial fairness is effective means, including inclusive finance，Prevent congenital internal ability gaps with external effects such as financial leverage to further expand。

Differences of family financial efficiency is the final performance of the fair gap in financial financial。In terms of family asset allocation，The level of excess revenue assumed by the unit risk in the two -dimensional framework of the "income -risk" has attracted more attention，Can better reflect the differences in the ability of different residents investors and the main ability of financial literacy。In terms of borrowing financing，Credit constraints faced by the family、Income level and financing guarantee will also exclude some residents outside，Makes its reasonable financing demand cannot be met，Then reduce its financing efficiency，Further loss of financial fairness。In the context of the current high -quality development of the economy to promote common prosperity，It is necessary to discuss the family financial logic of common prosperity from the dimensions of fairness and efficiency.，Exploring the economic law behind。

Family financial development takes into account fairness and efficiency 

Finance is the core of the modern economy，Financial resources are also the primary resources for the best goal of economic and social entities in modern economy and society。The main function of as inclusive finance is to help all economic entities to obtain financial resources for its development without differences，Optimize the income structure、Reasonable allocation of wealth、Improve development efficiency，Finally achieve common prosperity。

One is the structural differences that narrowed the degree of inclusive financial resources。The bet365 best casino games capital movement symbolizes the "blood" flow of the national economy，It is also an important manifestation of finance as a gathering movement of modern economic resources in different economic departments。Family as an important economic department in the development of the national economy，Mainly forming capital exchanges between various transactions and other economic departments。Discovery through the total scale of capital flow by calculating different departments，The proportion of financial resources sharing financial resources has long been ranked after financial institutions and non -financial enterprises，Generally higher than government departments and overseas departments，and present a trend of steady and rising，Explain that the degree of the family sector of the financial resources "benefit" is still relatively high。But，Discovery by calculating the net outflow of funds from different departments，The family department has been in a net outflow of funds for a long time since 1992，That is to say，The scale of the use of funds of the family department has always exceeded the scale of the source of funds，This feature is significantly different from the net inflow of the two funds of financial institutions and non -financial enterprises。This shows that although the degree of participating in the financial market is constantly increasing，But it has always been in a "supplier" position，The effect of adsorbing funds from the outside is not prominent。From the perspective of the internal structure of the family，The financial inclusive level between different families also has significant differences: farmers、Poor family、Low -income family、The inclusive financial level enjoyed by the old family is significantly low; the participation of the regular credit market of the family is significantly lower，The improvement of financial services and quality and bet365 Play online games quality need to be strengthened。

The second is to improve financial literacy。As mentioned earlier, credit constraints are explicit thresholds that hinder family financial inclusiveness，and insufficient financial literacy can be regarded as hidden thresholds。The reason why it is called "hidden"，It is because of its inconspicuous and subjective mutation。One aspect，Financial literacy can be regarded as a comprehensive comprehensive，Need to accumulate through systematic financial knowledge learning and financial market investment through systems。On the other hand，The existence of the irrational characteristics of individuals has caused financial literacy to be easily controlled and controlled by irrational state。Even if the financial market funding threshold and relieve credit constraints，Insufficient financial literacy will still become an important factor that hinders the final realization of financial inclusiveness and improvement of asset allocation。In essence,，Financial literacy belongs to a component of human capital，It has inseparable and irreversible characteristics，The amount of material wealth obtained by allocating assets through the financial market is more long -term and stable。Today, the level of financial development is increasing，Financial vegetarian cultivation has become an important criterion for measuring whether a person can become a qualified financial market participant，Directly determines the income acquisition and risk avoidance ability of the family's participation in the financial market。This is the level of improving property income、Optimize family income structure，To achieve material wealth improvement will play an important role。

Existing situation indicates，Non -financial enterprises、Securities investment efficiency of financial institutions and government departments is significantly higher than the family bet365 live casino games department。Specific reasons，The author believes that you can analyze from two aspects: information asymmetry and professionalism professionalism。Information asymmetry，Compared with the characteristics of the family with marriage blood as the bond，Non -financial enterprises、Financial institutions and government departments belong to the legal person organization，It has natural advantages in information search and acquisition，and the family is inevitable at the end of the information transmission chain，Unable to get the corresponding information asymmetric rent，Coupled with the long -term as the main funding supplier status，Limited asset allocation income。In terms of professionalism in financial literacy，With the level of economic finance, it continues to increase，More and more economic departments need more professional teams with high levels of financial literacy to be responsible for financial investment，This means that financial literacy has been used as the production link of an exclusive production factor to enter the enterprise and other economic departments，Investment activities allocated assets in the securities market also become a combination of professional elements with large -scale economic characteristics。

Steady development of modern family finance 

Development of family financial activities，Can improve the level of family income and wealth、Enhance people's happiness，It also promotes residents to strengthen the learning of financial knowledge and enhance financial literacy，It is conducive to empowering modernization in aspects of fairness and efficiency。

First，Reduce the threshold for information acquisition，Improve the level of popularity of big data，Improve residents' financial literacy。Compared with institutional investors and institutional investors，In the weak position in the capital market information acquisition; coupled with the information production bet365 best casino games and transmission function of institutional investors，Information monopoly is an important factor restricting family financial activities，Residents are also unable to improve capital allocation efficiency because of information acquisition。The priority is to improve the breadth and depth of information to benefit the residents，Specifically need to increase the extent of big data benefiting the public，Strengthen big data productization applications and services under business scenarios; at the same time，Resident investors must also continuously improve the ability of big data analysis and processing capabilities and financial literacy levels。

Second，Strengthen the construction of family social networks，Improve social interaction between residents。For families with consciousness improvement of family asset allocation，You must strive to enhance the social interaction ability between residents，Build a social network，Improve your social capital。Social interaction helps to directly communicate and discuss through the reference and reference group members，or observation information for reference group members' investment decisions。This endogenous interaction method can also be called observation learning or social learning，helps to enhance the participation expectations of residents and investors for financial markets。With the improvement of social capital levels between relatives and friends and the continuous enhancement of social interaction，The efficiency of household asset allocation can be significantly improved。Under the background of the current rapid development of the digital economy，Build a social network with the help of digital inclusive finance，Expand family social capital by improving the scale and strength of social networks，helps to enhance information acquisition ability。

(This article is the research on the improvement mechanism of the efficiency of family financial asset allocation in financial inclusive perspective "(19bjy261) phase -based results) 

(The author is a professor at the School of Finance, Anhui University of Finance and Economics)