PAGE\*MERGEFORMATI摘要近年来，各大经济体纷纷降息，利率已处于相对低位，负利率成为金融市场的常态，债券收益率持续下降，期限利差收窄，我国目前的投资增长基本上是靠政府投资支撑，民间资本的投资意向大大降低。而我国城市家庭的资产逐年攀升，这无疑加大了我国城市家庭资产配置的难度，虽然很多家庭已经尝试新的理财产品，但是从总体来看，我国城市家庭的金融资产配置处于病态，有很多的不合理之处。为此国内学者也提出了很多关于家庭理财的研究，对于家庭理财有很大的借鉴意义，但是我认为这些建议较为笼统，缺乏适应性，为此本文将做出一些改良建议。本文尝试以低利率为大背景，采取文献研究法、规范分析法、分析比较法等进行研究，从城市家庭的角度出发，首先介绍关于低利率、城市家庭以及资产配置的相关概念，接着对我国目前的城市家庭资产配置概况进行研究总结，分析城市家庭资产配置结构，并选取一些影响较大的因素进行剖析。并借鉴标准普尔家庭资产配置图，给出适合我国国情的资产配置图，最后将从政府和家庭两大主体出发，从较大层面的政府监管到具体的家庭配置，给出一些切实可行的资产配置建议，以达到优化城市家庭金融资产配置的目的，使得城市家庭财富能够稳定健康的增长。关键词：低利率；家庭生命周期；资产配置AbstractInrecentyears,majoreconomieshavecutinterestratesoneafteranother.Interestrateshavebeenrelativelylow.Negativeinterestrateshavebecomethenorminthefinancialmarket.Bondyieldshavecontinuedtodecline,andthetermspreadhasnarrowed.China'scurrentinvestmentgrowthisbasicallysupportedbygovernmentinvestment,andtheinvestmentintentionofprivatecapitalhasgreatlydecreased.However,theassetofurbanfamiliesinChinaisincreasingyearbyyear,whichundoubtedlyincreasesthedifficultyofassetallocationofurbanfamiliesinChina.Althoughmanyfamilieshavetriednewfinancialproducts,onthewhole,thefinancialassetallocationofurbanfamiliesinChinaisinapathologicalstate,andtherearemanyirrationalities.Forthisreason,domesticscholarsalsoputforwardalotofresearchonfamilyfinance,whichhasgreatreferencesignificanceforfamilyfinance,butIthinkthesesuggestionsaremoregeneralandlackofadaptability,sothispaperwillmakesomeimprovementsuggestions.Thispaperattemptstotakethelowinterestrateasthebackground,adopttheliteratureresearchmethod,normativeanalysismethod,analysisandcomparisonmethodtostudy.Fromtheperspectiveofurbanfamilies,firstly,itintroducestherelevantconceptsoflowinterestrate,urbanfamiliesandassetallocation.ThenitsummarizesthecurrentsituationofurbanfamilyassetallocationinChina,analyzesthestructureofurbanfamilyassetallocation,andselectsSomeinfluentialfactorsareanalyzed.Anddrawlessonsfromthestandard&Poor'sfamilyassetallocationchart,givetheassetallocationchartsuitableforChin