主观幸福感、人格特征与家庭资产选择

发布时间：2018-02-27 11:52

本文关键词： 主观幸福感人格特征金融市场资产选择　出处：《中南财经政法大学学报》2017年01期 　论文类型：期刊论文

【摘要】：本文运用中国家庭金融调查数据,研究主观幸福感、人格特征对家庭金融市场参与和家庭资产选择的影响及内在机制。结果发现,对房产而言,主观幸福感的提升会推动家庭参与房产投资,并增加家庭在房产上的配置;对储蓄而言,主观幸福感的提升不仅会降低居民参与储蓄的动机,而且会同时降低其持有比重;对股票而言,主观幸福感对居民参与动机影响不显著,但家庭开始股票投资后,主观幸福感的提升会提高家庭参与股票选择的深度。居民主观幸福感可以与人格特征形成影响机制,从而影响居民金融市场参与和家庭资产选择比重。
[Abstract]:Based on the data of Chinese household finance survey, this paper studies the influence and internal mechanism of subjective well-being, personality characteristics on household financial market participation and household asset selection. The increase of subjective well-being will promote the family to participate in the real estate investment and increase the allocation of the family in the real estate; for savings, the increase of subjective well-being will not only reduce the motivation of residents to participate in savings, but also reduce their holding proportion. As far as stocks are concerned, subjective well-being has no significant effect on residents' participation motivation, but after households started investing in stocks, The promotion of subjective well-being can increase the depth of household participation in stock selection, and the subjective well-being of residents can form an influence mechanism with personality characteristics, thus affecting the participation of financial markets and the proportion of household asset selection.
【作者单位】：西南大学经济管理学院;西南政法大学经济学院;
【基金】：教育部人文社科青年项目“新常态时期农村居民家庭消费—投资行为的实证与动态模拟研究”(15YJC790117) 西南政法大学资助项目“城镇化与金融深化对农村居民消费及结构的影响”(2014-XZRCXM009)
【分类号】：C912.6;F832.2

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