呼和浩特市居民投资理财需求分析

发布时间：2019-02-25 12:15

【摘要】：随着我国国民经济的飞速发展，国民收入水平不断提高，居民投资理财意识开始觉醒，对于投资理财的需求呈现出快速增长的态势。个人理财已经走进了人们的生活，成为人们的热门话题，成为我国民众生活的一部分。本文的研究样本是呼和浩特市居民，通过对呼和浩特市居民个人理财需求的问卷调查，对影响居民理财需求的若干因素进行实证分析，考察变量之间的影响关系，进而对呼和浩特市城区居民理财需求现状形成一个整体的认识，提出改善居民投资理财需求状况的建议，促使居民树立正确的理财观念，科学理财，合理增加财产性收入。本文由六个部分组成。第一部分绪论，主要阐述了选题背景、意义、国内外研究动态、研究目的和方法。指出了居民个人理财意识的增强和财富的增加为研究个人理财需求奠定了基础，而鼓励和帮助居民合理科学的参与个人理财是实现财产性收入增加的重要途径之一；第二部分个人理财业务概述，主要介绍了个人理财业务的含义、原则、理财步骤以及个人理财业务发展的理论基础；第三部分实证分析，这是本文的重点内容。首先，以呼和浩特市城区居民为调查对象，设计调查问卷，通过问卷调查获得的数据，对呼和浩特市居民个人理财需求现状及存在的问题进行了实证分析。呼和浩特市居民个人理财需求现状表现为：（1）理财意识复苏，理财观念转变；（2）收入水平提高，理财需求增长；（3）需求主体层次化，需求动机多样化。同时调查研究也发现，呼和浩特市居民个人理财的需求存在一些需要改进的问题，主要包括：（1）投资决策较为保守；（2）接受个人理财服务的方式传统；(3)理财尚缺乏科学性；（4)个人理财服务及产品供给不足。其次，分析了影响呼和浩特市居民个人理财需求的因素，主要有经济因素,社会因素、文化因素和其他因素。其中经济因素包括收入、利率和金融市场。第四部分介绍了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，并总结出对我国商业银行开展理财业务的启示；第五部分根据前文分析的呼和浩特市居民个人理财需求存在的问题，，并结合发达国家和地区理财业务对我国的启示，对如何改善提出了相应的对策。主要包括：（1）树立正确的理财观念，增强风险意识；（2）完善社会保障制度,消除后顾之忧；（3）合理分流储蓄，拓宽理财渠道；（4）提高银行的创新能力，实施人才培养战略；（5）建立和完善我国的个人理财教育体系。第六部分结论与展望，对全文的内容进行了归纳总结，指出了其中的不足之处，并对下一步的研究工作进行了简单说明。
[Abstract]:With the rapid development of the national economy and the improvement of the national income level, the residents' consciousness of investment financial management has begun to wake up, and the demand for investment financial management has shown a rapid growth trend. Personal finance has come into people's life, become a hot topic, become a part of our people's life. The research sample of this paper is the residents of Hohhot. Through the questionnaire survey of the residents' personal financial needs in Hohhot, this paper makes an empirical analysis of some factors that affect the residents' financial needs, and examines the influence relationship between variables, and makes an empirical analysis of the factors that affect the needs of residents' financial management. Then it forms an overall understanding of the current situation of residents' financial demand in Hohhot city, and puts forward some suggestions to improve the demand of residents' investment financial management so as to promote residents to set up correct financial management concepts, scientific financial management, and reasonable increase of property income. This paper consists of six parts. The first part introduces the background, significance, domestic and international research trends, research purposes and methods. It is pointed out that the enhancement of residents' awareness of personal financial management and the increase of wealth have laid a foundation for the study of personal financial needs, and encouraging and helping residents to participate in personal financial management reasonably and scientifically is one of the important ways to achieve the increase of property income. The second part is an overview of personal financial services, which mainly introduces the meaning, principles, steps and theoretical basis of the development of personal financial services, and the third part of empirical analysis, which is the main content of this paper. Firstly, taking the urban residents of Hohhot city as the object of investigation, this paper designs a questionnaire and makes an empirical analysis of the current situation and the existing problems of the residents' personal financial needs in Hohhot through the data obtained from the questionnaire survey. The current situation of residents' personal financial demand in Hohhot is as follows: (1) the consciousness of financial management is revived, the concept of financial management is changed; (2) the income level is improved, the demand of financial management is increased; (3) the main body of demand is hierarchical and the motivation of demand is diversified. At the same time, the investigation also found that there are some problems to be improved in the demand for personal financial management of residents in Hohhot, including: (1) conservative investment decision-making, (2) traditional way of accepting personal financial services; (3) lack of scientific management and (4) insufficient supply of personal financial services and products. Secondly, it analyzes the factors that affect the personal financial needs of Hohhot residents, including economic factors, social factors, cultural factors and other factors. Economic factors include income, interest rates and financial markets. The fourth part introduces the development and enlightenment of financial management business in developed countries and regions. This paper focuses on the analysis of personal financial services in developed countries and regions from the perspective of the development of financial needs and the degree of satisfaction, and sums up the inspiration for the development of financial services by commercial banks in China. In the fifth part, according to the problems existing in the personal financial needs of the residents of Hohhot, and combined with the enlightenment of the developed countries and regional financial services to our country, the corresponding countermeasures are put forward for how to improve the personal financial management needs of the residents in Hohhot. It mainly includes: (1) setting up correct financial management concept and enhancing risk consciousness; (2) perfecting social security system and eliminating worries in the future; (3) reasonably diverting savings and widening financial channels; (4) to improve the innovation ability of the bank, to carry out the strategy of talent training, (5) to establish and perfect the education system of personal finance in China. In the sixth part, the conclusion and prospect are summarized, the inadequacies are pointed out, and the next research work is briefly explained.
【学位授予单位】：内蒙古财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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