相关性分析：移动应用程序的使用与个人理财及储蓄率

发布时间：2023-05-24 23:26

　　当前的经济趋势表明,个人对个人财务状况管理和退休计划制定的责任越来越大。每个国家的个人储蓄率不一样,特别是在中国,在消费能力逐渐提高的情况下,个人储蓄率一直在缓慢下降。市场提供了各种各样的电子服务和移动应用软件,以帮助用户记录收入和支出,投资和预算。个人储蓄率受多种因素的影响(遗传信息,婚姻状况,家庭教育和学校教育,同伴压力,宗教信仰,文化背景,语言,收入,工作,社会地位等)。本文探讨了储蓄率与移动应用程序在个人理财管理中的相关性。我们还强调与个人储蓄和个人财务行为有关的某些行为的不合理性。通过对中国在职员工的抽样调查,我们发现移动应用程序的投资功能和储蓄率之间,以及余额查看功能和储蓄率之间分别存在一定的相关性。

【文章页数】：60 页

【学位级别】：硕士

【文章目录】：
Abstract
摘要
CHAPTER Ⅰ.INTRODUCTION
    1.1 Research Background
    1.2 Research Problem and Objectives
    1.3 Research Methodology
    1.4 Theoretical Value and Practical Implications
    1.5 Limitations and Biases
CHAPTER Ⅱ.THEORETICAL FRAMEWORK AND LITERATURE REVIEW
    2.1 Theoretical Framework on Saving Behavior
    2.2 Literature Overview
        2.2.1 Adoption of Smartphones and the Effect on Human Behavior
        2.2.2 Saving Behavior Factors
        2.2.3 Saving Rate and Saving Behavior in China
        2.2.4 Effect of Mobile Applications on Personal Saving Rate
    2.3 Hypothesis Development
CHAPTER Ⅲ.METHODOLOGY
    3.1 Methodology
    3.2.Questionnaire Design
    3.3 Interview Design
    3.4 Reliability and Validity
CHAPTER Ⅳ.SURVEY ANALYSIS AND RESULTS
    4.1 Sample Size and Demographics
    4.2 Saving Rate Analysis
    4.3 Frequency Analysis
        4.3.1 Saving Behavior Motivation
        4.3.2 Personal Investment Strategy
        4.3.3 Adoption of Mobile Applications for Managing Finance
    4.4 Correlation Analysis: Adoption of Mobile Applications for Managing Finance and Its Impact on Saving Behavior
        4.4.1 Investment Functionality
        4.4.2 Balance Check
        4.4.3 Revenue-Expense Tracking
        4.4.4 Adoption of Different Functions
CHAPTER Ⅴ.CONCLUSION
    5.1 Summary
    5.2 Further Research
APPENDICIES
    Appendix1.Questionnaire(Mandarin Chinese Version)
    Appendix2.Questionnaire(English Version)
    Appendix3.Interview Questions
    Appendix4.Regression Summary Output
BIBILIOGRAPHY



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