不同收入阶层对金融产品的需求差异比较研究

发布时间：2018-03-04 11:41

本文选题：收入阶层　切入点：金融产品　出处：《湖南师范大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着社会经济的不断发展,我国的社会阶层结构发生了巨大的变化。社会阶层结构的变化,对金融市场也产生了一定的影响。通过运用问卷调查法、文献研究法和个案访谈法,对不同收入阶层的金融产品需求进行分析发现,不同的收入阶层对金融产品的需求不同,同时两者之间存在相互影响。金融是经济的核心,所以研究不同收入阶层的差异化金融需求,可以有效的丰富和完善金融理论体系,具有一定的理论意义。同时为政府进行金融体制改革提供科学的依据,促使金融机构为不同收入阶层提供多元化的金融产品,从而维护金融市场及其整个社会的稳定,因此具有很强的实践意义。结合本文论点,笔者提出四个研究假设,假设一:外部影响因素对不同阶层的购买需求有影响。假设二:低收入阶层对金融产品的需求层次较低,选择相对单一,对金融产品的选择以安全为主。假设三:中收入阶层对金融产品的需求相对多元,对金融产品的选择倾向增值与便利。假设四:高收入阶层讲求精致的消费品味和生活享受,倾向于寻求高质量、个性化的服务,对金融产品的选择以愉悦为取向。通过数据分析,本文得到如下结论:第一、各收入水平的人群仍保持着较高的储蓄意愿。第二、不同收入水平的人群在是否购买金融产品这个问题上受到不同内部因素的影响。第三、内部因素影响个人对金融产品需求的同时,外部因素同样也对需求造成一定的影响。最后笔者讨论了金融市场培养、金融产品开发与社会阶层结构之间的关系。
[Abstract]:With the development of social economy, great changes have taken place in the social stratum structure of our country. The change of social stratum structure also has a certain influence on the financial market. By analyzing the demand for financial products of different income groups, we find that the demand for financial products is different among different income groups, and there is mutual influence between them. Finance is the core of economy. Therefore, the study of the differentiated financial needs of different income groups can effectively enrich and improve the financial theory system, which has certain theoretical significance. At the same time, it provides a scientific basis for the government to carry out the financial system reform. It is of great practical significance to urge financial institutions to provide diversified financial products for different income groups, so as to maintain the stability of the financial market and the whole society. Combined with the arguments of this paper, the author puts forward four research hypotheses. Hypothesis one: the external influence factors have an effect on the purchase demand of different classes. Hypothesis two: the low-income class has a lower level of demand for financial products, and the choice is relatively single. The choice of financial products is based on safety. Hypothesis three: the demand for financial products of the middle income class is relatively diverse, and the choice of financial products tends to increase in value and convenience. It tends to seek high-quality, personalized services, and the choice of financial products is pleasurable. Through the analysis of the data, this paper draws the following conclusions: first, people with different income levels still have a high willingness to save. People with different income levels are affected by different internal factors on whether to buy financial products. Third, internal factors affect individuals' demand for financial products at the same time. Finally, the author discusses the relationship among financial market training, financial product development and social stratum structure.
【学位授予单位】：湖南师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2;D663

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