金融知识、投资经验与权利能力

发布时间：2018-03-17 13:33

本文选题：权利能力　切入点：基础金融知识　出处：《当代经济科学》2017年06期 　论文类型：期刊论文

【摘要】：本文基于《中小投资者权益保护调查问卷》数据,研究了金融知识、投资经验对投资者权利能力的影响。研究发现,基础金融知识对投资者权利能力没有显著影响,更专业的金融知识的提高能够显著增强低收入投资者的权利能力,但对高收入投资者的权利能力并没有显著影响,这可能是因为高收入投资者有效的社会性学习的替代作用;丰富的投资经验能显著提高各收入阶层投资者的权利能力。另外,本文还发现投资者的受教育水平越高,其权利能力也就越强。研究结果表明,专业金融知识的缺乏与投资经验的欠缺是制约我国中小投资者权利能力的重要因素,因此监管部门应进一步普及金融知识,特别是专业金融知识,加强投资者特别是低收入群体的教育,同时,应加强对各层次金融市场参与者投资经验的差别要求。
[Abstract]:Based on the data of the questionnaire on the Protection of the Rights and interests of small and Medium-sized investors, this paper studies the effects of financial knowledge and investment experience on investors' rights and abilities. It is found that basic financial knowledge has no significant effect on investors' rights and abilities. More professional financial knowledge can significantly enhance the rights of low-income investors, but has no significant impact on the rights of high-income investors, this may be because high-income investors effective social learning as a substitute; Rich investment experience can significantly improve the rights ability of investors from different income classes. In addition, this paper also finds that the higher the education level of investors, the stronger their rights ability. The lack of professional financial knowledge and the lack of investment experience are the important factors restricting the right ability of small and medium-sized investors in China. Therefore, the regulatory authorities should further popularize financial knowledge, especially professional financial knowledge. We should strengthen the education of investors, especially low-income groups, at the same time, we should strengthen the different requirements of investment experience of financial market participants at all levels.
【作者单位】：西南财经大学证券与期货学院;西南财经大学统计学院;
【基金】：国家自然科学基金面上项目(71771187) 中央高校基本科研业务费专项资金(JBK170214)
【分类号】：F832

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