我国城镇居民个人理财业务需求影响因素研究

发布时间：2018-08-27 15:39

【摘要】：近年来，伴随着社会经济的快速增长及我国住房、医疗、养老保险及教育体制改革的逐渐推行，我国城镇居民个人收入得到持续增长，居民家庭金融资产逐渐增多。随着各类金融机构理财业务的开展，居民理财观念正在迅速变化，越来越多的城镇居民愿意接受银行开展的理财服务，居民投资理财需求逐渐增强，商业银行个人理财业务潜在市场巨大。鉴于个人理财业务在中国尚处于初级发展阶段，理财产品和理财服务存在一些问题，文章从客户理财需求的角度出发，探讨城镇居民理财业务存在问题，通过实证方法分析城镇居民理财需求影响因素，有针对性的提出城镇居民理财业务发展对策建议。文章由六部分组成：第一章，导论。阐述了研究背景、研究目的和意义、国内外研究动态、研究思路方法与可能创新之处，并评述了国内外关于个人理财业务问题的研究动态。第二章，相关理论基础。对个人理财业务的定义、分类、内容、相关理论及理财业务需求的相关影响因素进行分析。第三章，发达国家和地区理财业务发展与启示。着重从理财需求发展的角度和满足的程度分析发达国家和地区个人理财业务，提出对我国商业银行开展理财业务的启示。第四章，城镇居民理财需求分析及存在的问题。对我国城镇居民理财需求环境、需求主体与需求动机进行分析，最后分析我国城镇居民个人理财业务发展中的问题。第五章，城镇居民个人理财需求影响因素实证分析。通过问卷调查获得的数据，以重庆市为例，对影响城镇居民个人理财需求的因素进行分析，实证分析各个因素对居民理财需求的影响程度。第六章，我国城镇居民个人理财业务发展对策建议。针对实证结论，提出银行应在基于客户需求基础上开展理财业务的建议。论文认为，影响居民理财需求的各种因素的重要性和影响程度有明显差异。首先，居民理财需求的影响主要来自个人所处生命周期阶段及居民所处环境。其次，银行业务办理的方式（理财服务模式）、银行工作人员的态度、银行工作人员专业化程度、银行实力、居民性别与居民风险偏好属性对居民理财需求的选择有较显著的影响。再次，同期存款利率的高低、理财产品本身的风险属性、产品收益及理财产品的起始金额对居民选择理财有轻微影响。最后，居民对产品的风险认知状况、理财产品的期限、银行环境设备对居有民选择理财产品的影响不明显。通过分析，，提出了创建良好的外部环境；完善客户关系管理体系，促进市场细分；转变服务理念，加强理财渠道建设；强化人才培养，加强品牌建设；注重产品研发和创新等建议，以期为我国城镇居民个人理财业务发展提供有意义的参考。
[Abstract]:In recent years, with the rapid growth of social economy and the gradual implementation of housing, medical, old-age insurance and education system reform, the personal income of urban residents in China has been continuously increased, and the financial assets of households have gradually increased. With the development of financial management business in various financial institutions, the concept of financial management of residents is changing rapidly. More and more urban residents are willing to accept the financial services developed by banks, and the demand for investment and financial management is gradually increasing. Commercial bank personal finance business potential market is huge. In view of the fact that personal finance business is still in the primary stage of development in China, there are some problems in financial products and financial services. This paper discusses the problems existing in the financial management business of urban residents from the point of view of the financial needs of customers. Through the empirical analysis of urban residents' financial needs, the paper puts forward the countermeasures and suggestions for the development of urban residents' financial management business. The article consists of six parts: chapter one, introduction. This paper expounds the research background, research purpose and significance, domestic and international research trends, research methods and possible innovations, and reviews the domestic and foreign research trends on personal finance business issues. The second chapter, related theory foundation. This paper analyzes the definition, classification, content, relevant theory and related factors of financial business demand. The third chapter, developed countries and regional financial services development and inspiration. From the point of view of the development of financial needs and the degree of satisfaction, this paper analyzes the personal finance business in developed countries and regions, and puts forward the enlightenment to the development of financial management business of commercial banks in China. The fourth chapter, the urban residents financial needs analysis and existing problems. This paper analyzes the demand environment, the demand subject and the demand motivation of the urban residents in China, and finally analyzes the problems in the development of the personal finance business of the urban residents in our country. The fifth chapter, the urban residents personal financial needs impact factors empirical analysis. Taking Chongqing as an example, this paper analyzes the factors that affect the demand for personal financial management of urban residents, and empirically analyzes the influence degree of each factor on the demand of residents' financial management. The sixth chapter, our country town resident personal finance business development countermeasure suggestion. In view of the empirical conclusion, the paper puts forward the suggestion that banks should carry out financial management business on the basis of customer demand. The paper holds that there are obvious differences in the importance and influence degree of various factors affecting residents' financial needs. First of all, the impact of residents' financial needs mainly comes from the individual life cycle stage and the residents' environment. Secondly, the way the banking business is handled (financial management service model), the attitude of the bank staff, the degree of specialization of the bank staff, the strength of the bank, Gender and risk preference attributes have a significant impact on the choice of residents' financial needs. Thirdly, the level of deposit interest rate, the risk attribute of wealth management product itself, the income of product and the initial amount of financial product have a slight influence on residents' choice of financial management. Finally, the impact of residents' risk cognition, financial product duration and banking environmental equipment on the choice of financial products is not obvious. Through the analysis, the author puts forward to create a good external environment, perfect customer relationship management system, promote market segmentation, change the concept of service, strengthen the construction of financial channels, strengthen talent training, strengthen brand building; The suggestions of product research and development and innovation are expected to provide a meaningful reference for the development of personal finance business of urban residents in China.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【引证文献】