在家庭金融资产配置失衡、居民财产性收入增长缓慢的背景下，本文采用2019年中国家庭金融调查（CHFS）的数据，通过主成分分析法，构建社会互动综合指数，从参与情况和配置深度两个维度，理论分析和实证检验了社会互动对家庭金融资产配置的影响及其作用机制。结果表明：社会互动显著促进了家庭金融资产配置的参与情况和深度。在控制了内生性后，该作用依然存在。在作用机制方面，社会互动通过获取信息、交流感受与社会规范机制对家庭金融资产配置产生显著的促进作用。本文从社会特征的视角出发，强调社会互动的促进作用，以此推动家庭金融资产配置决策的优化与共同富裕目标的实现。

Against the realistic background of a relatively unbalanced structure of household financial asset allocation and slow growth of residents’ property income, through using the Principal Component Analysis, this essay creates an integrated index of social interaction based on the CHFS data in 2019, and theoretically analyzes and empirically tests the impact of social interaction including its working mechanisms in two dimensions: participation and depth of allocation. The results show that social interaction significantly contributes to the participation situation and depth of household financial asset allocation. The effect persists after controlling for endogeneity. In terms of mechanism testing, social interaction can contribute to household asset allocation through three working mechanisms: access to information, exchange of emotions and social regulations. From the perspective of social characteristics, this paper emphasizes the facilitating role of social interaction to promote the optimization of household financial asset allocation decisions and the achievement of the common prosperity goal.