消费者金融投资行为分析——基于CFPS数据的实证研究
发布时间：2018-11-19 21:54
【摘要】：金融市场发展对于鼓励消费者优化自身的资产配置并进而刺激消费起着越发重要的作用。作为消费者金融意识的重要体现,消费者的金融投资行为受到了越来越多的关注。利用CFPS数据中的投资行为微观数据,运用Probit模型和Tobit模型对影响消费者投资行为的个体特征、心理变量以及社会因素进行了实证分析,发现个体的金融知识水平、家庭经济状况、风险偏好程度以及满意度对金融投资行为有显著正向影响,其健康状况以及社会交往与投资行为之间负相关,年龄对消费者是否参与金融投资有显著影响,但对具体的投资额度影响不显著。
[Abstract]:Financial market development plays an increasingly important role in encouraging consumers to optimize their asset allocation and thus stimulate consumption. As an important embodiment of consumer's financial consciousness, consumer's financial investment behavior has been paid more and more attention. Using the microcosmic data of investment behavior in CFPS data, using Probit model and Tobit model, this paper analyzes the individual characteristics, psychological variables and social factors that affect consumer investment behavior, and finds out the level of individual financial knowledge. Family economic status, risk preference and satisfaction have significant positive effects on financial investment behavior, their health status, social interaction and investment behavior are negatively correlated, age has a significant impact on whether consumers participate in financial investment. However, the impact on the specific investment quota is not significant.
【作者单位】： 西安邮电大学经济与管理学院;西北大学经济管理学院;
【基金】：国家社会科学基金项目“大数据背景下消费者金融行为模式研究”(15BGL091) 陕西省社会科学基金项目“陕西省互联网金融产品选择行为研究”(2014P05) 陕西省自然科学基础研究计划“居民金融资产财富效应及对消费决策的影响研究”(2017JM7021)
【分类号】：F224;F832.2
[Abstract]:Financial market development plays an increasingly important role in encouraging consumers to optimize their asset allocation and thus stimulate consumption. As an important embodiment of consumer's financial consciousness, consumer's financial investment behavior has been paid more and more attention. Using the microcosmic data of investment behavior in CFPS data, using Probit model and Tobit model, this paper analyzes the individual characteristics, psychological variables and social factors that affect consumer investment behavior, and finds out the level of individual financial knowledge. Family economic status, risk preference and satisfaction have significant positive effects on financial investment behavior, their health status, social interaction and investment behavior are negatively correlated, age has a significant impact on whether consumers participate in financial investment. However, the impact on the specific investment quota is not significant.
【作者单位】： 西安邮电大学经济与管理学院;西北大学经济管理学院;
【基金】：国家社会科学基金项目“大数据背景下消费者金融行为模式研究”(15BGL091) 陕西省社会科学基金项目“陕西省互联网金融产品选择行为研究”(2014P05) 陕西省自然科学基础研究计划“居民金融资产财富效应及对消费决策的影响研究”(2017JM7021)
【分类号】：F224;F832.2
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