婚姻状况与居民金融投资偏好

发布时间：2018-10-11 19:48

【摘要】：本文将婚姻质量引入到婚姻状况与居民金融投资偏好的研究之中,从财富积累、交易成本、劳动收入风险等角度实证检验婚姻状况对居民金融投资偏好的影响。研究结果表明:一是婚姻状态对于居民金融投资偏好的影响并不显著,但是婚姻会增强已婚女性的安全感,使得已婚女性比单身女性更愿意投资股票等风险性金融资产。二是婚姻质量显著影响居民金融投资偏好。其中,经济贡献满意度对已婚居民金融投资偏好产生显著的正向影响,而家务贡献满意度会降低已婚居民的金融市场参与率。由上述结论可以进一步得到以下推论:随着中国特色社会主义进入新时代,国内居民收入水平普遍提高,对美好生活的需要日益增长,可以通过发展智能化、网络化、专业化的家政服务来提高居民家庭的家务贡献满意度,同时增加居民闲暇时间以及参与金融投资活动的时间,从而改变婚姻质量中家务贡献满意度和经济贡献满意度两个指标对居民金融投资偏好影响的替代关系。为此,要加强社会主义核心价值观尤其是家庭观的宣传和引导,鼓励理性婚姻,提倡家庭和睦,为提高居民婚姻质量营造良好的舆论氛围;要将居民就业放在经济发展更重要的位置,努力提高居民收入水平;要通过强化财政奖补支持、放宽市场准入条件、加强制度规范建设等方式,促进家政服务业更高水平的发展;要加强金融市场基础制度建设,营造规范、有序的金融市场制度环境,为向居民提供更加丰富的金融产品创造条件。
[Abstract]:This paper introduces marital quality into the study of marital status and residents' financial investment preference, and empirically tests the influence of marital status on residents' financial investment preference from the perspective of wealth accumulation, transaction cost, labor income risk and so on. The results show that: first, marital status has no significant effect on residents' financial investment preference, but marriage enhances sense of security of married women, which makes married women more willing to invest in risky financial assets such as stocks than single women. Second, the quality of marriage has a significant impact on residents' preference for financial investment. Among them, economic contribution satisfaction has a significant positive impact on the financial investment preference of married residents, while domestic contribution satisfaction will reduce the financial market participation rate of married residents. As socialism with Chinese characteristics enters a new era, the income level of domestic residents generally increases and the need for a better life grows day by day, which can be achieved through the development of intelligence and networking. Professional domestic service to improve the household satisfaction with domestic contributions, while increasing the leisure time of residents as well as the time to participate in financial investment activities, In order to change the marriage quality of domestic contribution satisfaction and economic contribution satisfaction two indicators of the impact of financial investment preferences of residents alternative relationship. Therefore, we should strengthen the propaganda and guidance of socialist core values, especially the concept of family, encourage rational marriage, advocate family harmony, and create a good atmosphere of public opinion for improving the quality of marriage. We should put employment in a more important position in economic development and strive to improve the income level of residents. We should strengthen financial incentives and subsidies, relax market access conditions, and strengthen the construction of systems and norms. To promote the development of domestic service industry at a higher level, it is necessary to strengthen the construction of the basic financial market system, create a standardized and orderly financial market institutional environment, and create conditions for providing more abundant financial products to the residents.
【作者单位】：暨南大学经济学院;
【基金】：广东省打造“理论粤军”2013年度重大资助项目《中国家庭金融问题研究——基于制度因素、人力资本和财富效应的考察》(项目编号:LLYJ1317) 广东省哲学社会科学“十二五”规划2014年青年项目《产业结构服务化与经济增长研究——以中国经济发达地区为例》(项目编号:GD14YYJ05)的资助
【分类号】：C913.1;F832.2

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