个人理财产品选择偏好的影响因素研究

发布时间：2018-01-06 14:33

本文关键词：个人理财产品选择偏好的影响因素研究　出处：《天津大学》2016年硕士论文　论文类型：学位论文

【摘要】：随着我国社会主义市场经济的快速发展,居民的收入显著增加,居民的投资意愿也越来越强烈。但是,在全国家庭金融资产结构调查中,基金和其他理财产品却只占6.52%。基于上述背景,研究影响个人理财者购买理财产品的偏好及其影响因素,不仅可以加深对理财者购买理财产品特点的理解,对理财者做出投资决策的行为理论加以完善,本文的研究成果还可以帮助银行等金融机构进一步了解个人理财者的购买偏好,以此设计出可以更加吸引客户的理财产品,在激烈的理财产品市场竞争中抢夺先机。本文采用理论与实证分析相结合的分析方法,将个人理财者的购买行为作为研究对象,对个人理财产品选择偏好进行分类,对其影响因素通过调查问卷的方式进行研究,运用Excel和SPSS等统计分析软件,借助多元Logistic模型,分析了个人因素、收入因素、理财经验和产品因素这四类因素对个人理财产品选择偏好的影响程度与趋势,并根据以上研究得出结论,这四类影响因素确实对个人理财产品的选择偏好产生影响,并且程度不一。本文的数据主要来源于与对天津市及其周边部分城市的个人理财者发放调查问卷。最后,对个人理财者、金融机构,以及政府和金融监管机构提出建议,个人理财者要加强自身的理财意识,增强理财知识,强化对自身的风险认知,做好长远的规划,并重视起保障作用的理财产品;金融机构要增强创新能力,加大宣传力度,提高服务意识和水平,才能吸引更多的理财者;政府及金融监管机构要增加居民的收入,引导理财者合理的多元化投资,鼓励创新与发展,加强监管力度,还要完善安全保障机制,切实保护理财者个人权益。
[Abstract]:With the rapid development of China's socialist market economy, residents' income has increased significantly, and residents' willingness to invest has become more and more strong. However, in the national household financial asset structure survey. Funds and other financial products only account for 6.52. Based on the above background, this paper studies the preferences of personal wealth managers to buy financial products and their influencing factors. Not only can we deepen the understanding of the characteristics of wealth management products, but also improve the behavior theory of financial managers to make investment decisions. The results of this paper can also help banks and other financial institutions to further understand the purchase preferences of personal wealth managers, so as to design financial products that can attract more customers. In the fierce market competition of financial management products to seize the opportunity. This paper uses the theory and empirical analysis of the combination of the analysis method, personal wealth managers to buy behavior as the object of study. The choice preference of personal financial products is classified, the influencing factors are studied by questionnaire, and the statistical analysis software such as Excel and SPSS are used. With the help of multiple Logistic model, this paper analyzes the influence degree and trend of four factors, personal factors, income factors, financial experience and product factors, on personal financial product preferences. According to the above study, we can conclude that these four kinds of factors do affect the choice preference of personal financial products. The data in this paper mainly come from the questionnaire of personal financial managers in Tianjin and some surrounding cities. Finally, the personal financial institutions. As well as the government and financial regulatory bodies put forward suggestions, personal financial managers should strengthen their own awareness of financial management, enhance financial knowledge, strengthen their own risk awareness, make long-term planning. And attach importance to the financial products that play the role of protection; To attract more financial managers, financial institutions should enhance their ability to innovate, strengthen propaganda, and improve their service consciousness and level. The government and the financial supervision organization should increase the residents' income, guide the reasonable diversified investment, encourage innovation and development, strengthen the supervision, perfect the safety and security mechanism, and protect the personal rights and interests of the financial managers.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2

【相似文献】