本文選題：家庭金融行為 + 金融資產(chǎn)配置��； 參考：《西南交通大學(xué)》2016年碩士論文

【摘要】：近年來,國內(nèi)外對于家庭金融問題的研究已經(jīng)獲得了一些成果,但這些研究大多關(guān)注于單個(gè)發(fā)達(dá)國家,少數(shù)對我國與發(fā)達(dá)國家家庭金融資產(chǎn)配置行為進(jìn)行比較的研究,也停留在家庭資產(chǎn)結(jié)構(gòu)對比和定性分析的層面。家庭金融行為受人口統(tǒng)計(jì)學(xué)因素的影響,但由于國別差異的存在,相同的人口統(tǒng)計(jì)學(xué)特征對不同國家的家庭來說,會(huì)引起其不同的家庭金融行為特點(diǎn)。因此,本文在對中美家庭金融行為進(jìn)行比較的基礎(chǔ)上,從微觀層面探究對兩國家庭金融行為造成不同影響的因素,并對兩國表現(xiàn)出不同家庭金融行為特點(diǎn)的原因進(jìn)行解釋。本文將家庭金融行為定義為家庭金融資產(chǎn)投資和家庭負(fù)債行為這兩個(gè)方面,研究方法上結(jié)合了理論與實(shí)證。首先,本文梳理和總結(jié)了家庭金融相關(guān)理論,在對中美家庭的金融資產(chǎn)結(jié)構(gòu)和負(fù)債水平進(jìn)行比較后,分別對影響中美家庭金融投資的風(fēng)險(xiǎn)偏好和負(fù)債選擇的因素進(jìn)行實(shí)證研究,并深層次分析這些因素對中美家庭的金融行為造成不同影響的原因。在實(shí)證方法上,本文采用了二元probit模型分別對影響家庭持有風(fēng)險(xiǎn)金融資產(chǎn)的概率和負(fù)債概率的因素進(jìn)行實(shí)證分析,采用tobit模型研究影響家庭金融資產(chǎn)份額和負(fù)債程度的因素。通過理論分析和實(shí)證研究的方法對中美家庭金融行為進(jìn)行比較,本文發(fā)現(xiàn),經(jīng)濟(jì)發(fā)展水平、資本市場發(fā)展程度和社會(huì)保障體系的差異,是造成中美家庭不同風(fēng)險(xiǎn)金融投資偏好的深層次原因,同時(shí),年齡、受教育程度等人口統(tǒng)計(jì)學(xué)因素也會(huì)顯著影響家庭金融行為,但其對中美兩國家庭發(fā)揮的作用并不相同。此外,人口統(tǒng)計(jì)學(xué)因素、消費(fèi)傳統(tǒng)、房產(chǎn)等因素會(huì)對家庭負(fù)債水平產(chǎn)生一定的影響,這些因素的綜合作用引起了中美家庭在負(fù)債行為上的差異。針對得出的主要結(jié)論,本文提出了優(yōu)化資本市場環(huán)境、提升教育水平、制定完善的養(yǎng)老金計(jì)劃、保障房地產(chǎn)市場健康發(fā)展和鼓勵(lì)小額貸款等政策建議。
[Abstract]:In recent years, there have been some achievements in the research of household finance at home and abroad, but most of these studies focus on a single developed country, and a few on the comparison of household financial asset allocation behavior between China and developed countries. Also stay in the family asset structure contrast and qualitative analysis level. Family financial behavior is influenced by demographic factors, but the same demographic characteristics will cause different family financial behavior characteristics for families in different countries due to the existence of country differences. Therefore, on the basis of the comparison between Chinese and American household financial behavior, this paper probes into the factors that have different influence on the household financial behavior of the two countries from the micro level, and explains the reasons why the two countries show different characteristics of household financial behavior. This paper defines household financial behavior as family financial asset investment and household liability behavior. The research methods combine theory with empirical research. First of all, this paper combs and summarizes the related theories of household finance, compares the financial asset structure and debt level of Chinese and American households, and makes an empirical study on the factors that affect the risk preference and debt selection of Chinese and American family financial investment. The reasons why these factors have different influences on the financial behavior of Chinese and American households are also analyzed. In the empirical method, this paper adopts the dual probit model to analyze the factors that affect the probability and the liability probability of the household holding risky financial assets, and uses the tobit model to study the factors that affect the share of the household financial assets and the degree of the liabilities. Through theoretical analysis and empirical research, this paper compares the financial behavior of Chinese and American households, and finds that the level of economic development, the degree of capital market development and the social security system are different. At the same time, demographic factors such as age, education and other demographic factors also significantly affect family financial behavior, but the role of the two countries is not the same. In addition, demographic factors, consumption traditions, real estate and other factors will have a certain impact on the level of household debt, these factors lead to the combined role of Chinese and American households in debt behavior differences. In view of the main conclusions, this paper puts forward some policy suggestions, such as optimizing the capital market environment, improving the education level, formulating a perfect pension plan, ensuring the healthy development of the real estate market and encouraging small loans.
【學(xué)位授予單位】：西南交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F832;F837.12

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