家庭中的货币收入除了消费、投资之外的剩余部分，通常我们称之谓余钱，若从金融角度看这些余＿，则可称之谓家庭的金融资产。在当今的现代生活中，当然不会让这些余钱都以现金的形式存在，它既可以是手存现金，也可以是银行储蓄、储蓄性保险、有价证券等，于是就形成了一个金 In addition to the consumption and investment, the rest of the household’s money income is usually what we call surplus money. If we look at these surplus from a financial point of view, we can call the financial assets of the family. In today’s modern life, of course, we will not allow these extra money to exist in the form of cash. It can be cash on hand or bank savings, savings insurance, securities, etc., so a gold