With the high-quality development of China's economy

household wealth accumulation has continued to grow

and the proportion of financial assets in residents' total assets has gradually increased

presenting a diversified trend in asset allocation. Nevertheless

prominent problems still exist

such as unreasonable structural distribution and unbalanced allocation across regions and groups. Based on authoritative official data from the National Bureau of Statistics of China and the People's Bank of China from 2022 to 2024

this paper sorts out the overall characteristics and differentiated manifestations of residents' financial asset allocation. From three dimensions including individual characteristics

family attributes and external environment

it systematically analyzes the key influencing factors and their mechanism of action affecting residents' financial asset allocation. On this basis

targeted optimization countermeasures are put forward. The research finds that residents' income level

risk appetite and financial literacy

household wealth scale

liability level and life cycle stage

as well as financial market environment

digital financial development and policy and institutional environment all exert significant impacts on residents' behavioral decisions and efficiency of financial asset allocation. This study can provide theoretical reference and practical guidance for residents to allocate financial assets rationally

for financial institutions to innovate products and services

and for government departments to improve financial regulation. It is also of great significance to promoting the steady growth of household wealth and the high-quality development of the financial market.