城镇居民金融产品选择行为的量化分析

发布时间：2018-02-19 17:33

  本文关键词： 金融产品 频数分析 相关性分析 回归分析 个人风险偏好　出处：《郑州大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着我国经济的快速发展,居民家庭收入水平得到显著提升,居民对金融产品的选择也呈现多元化发展趋势。但由于国内经济的过快发展,金融市场拔苗助长的种种弊端也逐渐显露出来,如何正确引导居民选择合适的金融产品变得至关重要。然而个人金融产品选择行为的相关数据收集比较困难,致使现今对这一问题的研究很少,因而研究居民金融产品的选择行为,具有显著的指导价值及实践意义。本文运用理论分析和统计分析相结合的方法,对居民金融产品的选择行为,通过调查,进行量化分析。首先,就国内外居民金融产品选择现状进行理论分析,得出选择行为的诸多影响因素。其次,运用频数分析、相关性分析、线性回归分析对国内金融市场现有数据进行统计分析,得到居民工资总额、金融业增加值、保险公司资产、人民储蓄存款总额、居民消费价格定基指数、就业人数、普通高校数量之间的相关关系。同时,就郑州市居民金融产品的选择行为进行了问卷调查和统计分析,得出金融市场存在的部分问题和不同人群对金融产品选择上的不同侧重点。最后,对本文的研究结论进行归纳总结,并就居民金融产品选择行为上存在的问题提出意见和政策建议。
[Abstract]:With the rapid development of China's economy, the income level of households has been significantly increased, and residents' choice of financial products has also shown a trend of diversified development. However, due to the rapid development of the domestic economy, The drawbacks encouraged by the financial market are also gradually revealed. How to correctly guide residents to choose the right financial products becomes very important. However, it is more difficult to collect relevant data on the behavior of individual financial product selection. As a result, there are few researches on this issue nowadays, so it is of great guiding value and practical significance to study the choice behavior of residents' financial products. This paper applies the method of combining theoretical analysis with statistical analysis. Through investigation, quantitative analysis is carried out on the choice behavior of residents' financial products. Firstly, theoretical analysis is carried out on the present situation of domestic and foreign residents' choice of financial products, and many influential factors are obtained. Secondly, frequency analysis is used to analyze the choice behavior of residents' financial products. Correlation analysis, linear regression analysis on the existing data of the domestic financial market, obtained the residents' total wages, the added value of the financial industry, the assets of insurance companies, the total amount of people's savings deposits, the fixed base index of residents' consumption price, The correlation between the number of employed people and the number of ordinary colleges and universities. At the same time, a questionnaire survey and statistical analysis were conducted on the behavior of Zhengzhou residents' choice of financial products. Some problems existing in the financial market and different emphasis on the choice of financial products by different groups of people are obtained. Finally, the conclusions of this paper are summarized and summarized. And put forward the opinion and policy suggestion to the resident financial product choice behavior question.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F713.55;F832.2;O212.1
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本文编号：1517719