【摘要】：金融市場(chǎng)發(fā)展對(duì)于鼓勵(lì)消費(fèi)者優(yōu)化自身的資產(chǎn)配置并進(jìn)而刺激消費(fèi)起著越發(fā)重要的作用。作為消費(fèi)者金融意識(shí)的重要體現(xiàn),消費(fèi)者的金融投資行為受到了越來(lái)越多的關(guān)注。利用CFPS數(shù)據(jù)中的投資行為微觀(guān)數(shù)據(jù),運(yùn)用Probit模型和Tobit模型對(duì)影響消費(fèi)者投資行為的個(gè)體特征、心理變量以及社會(huì)因素進(jìn)行了實(shí)證分析,發(fā)現(xiàn)個(gè)體的金融知識(shí)水平、家庭經(jīng)濟(jì)狀況、風(fēng)險(xiǎn)偏好程度以及滿(mǎn)意度對(duì)金融投資行為有顯著正向影響,其健康狀況以及社會(huì)交往與投資行為之間負(fù)相關(guān),年齡對(duì)消費(fèi)者是否參與金融投資有顯著影響,但對(duì)具體的投資額度影響不顯著。
[Abstract]:Financial market development plays an increasingly important role in encouraging consumers to optimize their asset allocation and thus stimulate consumption. As an important embodiment of consumer's financial consciousness, consumer's financial investment behavior has been paid more and more attention. Using the microcosmic data of investment behavior in CFPS data, using Probit model and Tobit model, this paper analyzes the individual characteristics, psychological variables and social factors that affect consumer investment behavior, and finds out the level of individual financial knowledge. Family economic status, risk preference and satisfaction have significant positive effects on financial investment behavior, their health status, social interaction and investment behavior are negatively correlated, age has a significant impact on whether consumers participate in financial investment. However, the impact on the specific investment quota is not significant.
【作者單位】： 西安郵電大學(xué)經(jīng)濟(jì)與管理學(xué)院;西北大學(xué)經(jīng)濟(jì)管理學(xué)院;
【基金】：國(guó)家社會(huì)科學(xué)基金項(xiàng)目“大數(shù)據(jù)背景下消費(fèi)者金融行為模式研究”(15BGL091) 陜西省社會(huì)科學(xué)基金項(xiàng)目“陜西省互聯(lián)網(wǎng)金融產(chǎn)品選擇行為研究”(2014P05) 陜西省自然科學(xué)基礎(chǔ)研究計(jì)劃“居民金融資產(chǎn)財(cái)富效應(yīng)及對(duì)消費(fèi)決策的影響研究”(2017JM7021)
【分類(lèi)號(hào)】：F224;F832.2

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