呼和浩特市居民投資理財需求分析
發(fā)布時間：2019-02-25 12:15
【摘要】：隨著我國國民經濟的飛速發(fā)展，國民收入水平不斷提高，居民投資理財意識開始覺醒，對于投資理財?shù)男枨蟪尸F(xiàn)出快速增長的態(tài)勢。個人理財已經走進了人們的生活，成為人們的熱門話題，成為我國民眾生活的一部分。本文的研究樣本是呼和浩特市居民，通過對呼和浩特市居民個人理財需求的問卷調查，對影響居民理財需求的若干因素進行實證分析，考察變量之間的影響關系，進而對呼和浩特市城區(qū)居民理財需求現(xiàn)狀形成一個整體的認識，提出改善居民投資理財需求狀況的建議，促使居民樹立正確的理財觀念，科學理財，合理增加財產性收入。 本文由六個部分組成。第一部分緒論，主要闡述了選題背景、意義、國內外研究動態(tài)、研究目的和方法。指出了居民個人理財意識的增強和財富的增加為研究個人理財需求奠定了基礎，而鼓勵和幫助居民合理科學的參與個人理財是實現(xiàn)財產性收入增加的重要途徑之一；第二部分個人理財業(yè)務概述，主要介紹了個人理財業(yè)務的含義、原則、理財步驟以及個人理財業(yè)務發(fā)展的理論基礎；第三部分實證分析，這是本文的重點內容。首先，以呼和浩特市城區(qū)居民為調查對象，設計調查問卷，通過問卷調查獲得的數(shù)據(jù)，對呼和浩特市居民個人理財需求現(xiàn)狀及存在的問題進行了實證分析。呼和浩特市居民個人理財需求現(xiàn)狀表現(xiàn)為：（1）理財意識復蘇，理財觀念轉變；（2）收入水平提高，理財需求增長；（3）需求主體層次化，需求動機多樣化。同時調查研究也發(fā)現(xiàn)，呼和浩特市居民個人理財?shù)男枨蟠嬖谝恍┬枰倪M的問題，主要包括：（1）投資決策較為保守；（2）接受個人理財服務的方式傳統(tǒng)；(3)理財尚缺乏科學性；（4)個人理財服務及產品供給不足。其次，分析了影響呼和浩特市居民個人理財需求的因素，主要有經濟因素,社會因素、文化因素和其他因素。其中經濟因素包括收入、利率和金融市場。第四部分介紹了發(fā)達國家和地區(qū)理財業(yè)務發(fā)展與啟示。著重從理財需求發(fā)展的角度和滿足的程度分析發(fā)達國家和地區(qū)個人理財業(yè)務，并總結出對我國商業(yè)銀行開展理財業(yè)務的啟示；第五部分根據(jù)前文分析的呼和浩特市居民個人理財需求存在的問題，，并結合發(fā)達國家和地區(qū)理財業(yè)務對我國的啟示，對如何改善提出了相應的對策。主要包括：（1）樹立正確的理財觀念，增強風險意識；（2）完善社會保障制度,消除后顧之憂；（3）合理分流儲蓄，拓寬理財渠道；（4）提高銀行的創(chuàng)新能力，實施人才培養(yǎng)戰(zhàn)略；（5）建立和完善我國的個人理財教育體系。第六部分結論與展望，對全文的內容進行了歸納總結，指出了其中的不足之處，并對下一步的研究工作進行了簡單說明。
[Abstract]:With the rapid development of the national economy and the improvement of the national income level, the residents' consciousness of investment financial management has begun to wake up, and the demand for investment financial management has shown a rapid growth trend. Personal finance has come into people's life, become a hot topic, become a part of our people's life. The research sample of this paper is the residents of Hohhot. Through the questionnaire survey of the residents' personal financial needs in Hohhot, this paper makes an empirical analysis of some factors that affect the residents' financial needs, and examines the influence relationship between variables, and makes an empirical analysis of the factors that affect the needs of residents' financial management. Then it forms an overall understanding of the current situation of residents' financial demand in Hohhot city, and puts forward some suggestions to improve the demand of residents' investment financial management so as to promote residents to set up correct financial management concepts, scientific financial management, and reasonable increase of property income. This paper consists of six parts. The first part introduces the background, significance, domestic and international research trends, research purposes and methods. It is pointed out that the enhancement of residents' awareness of personal financial management and the increase of wealth have laid a foundation for the study of personal financial needs, and encouraging and helping residents to participate in personal financial management reasonably and scientifically is one of the important ways to achieve the increase of property income. The second part is an overview of personal financial services, which mainly introduces the meaning, principles, steps and theoretical basis of the development of personal financial services, and the third part of empirical analysis, which is the main content of this paper. Firstly, taking the urban residents of Hohhot city as the object of investigation, this paper designs a questionnaire and makes an empirical analysis of the current situation and the existing problems of the residents' personal financial needs in Hohhot through the data obtained from the questionnaire survey. The current situation of residents' personal financial demand in Hohhot is as follows: (1) the consciousness of financial management is revived, the concept of financial management is changed; (2) the income level is improved, the demand of financial management is increased; (3) the main body of demand is hierarchical and the motivation of demand is diversified. At the same time, the investigation also found that there are some problems to be improved in the demand for personal financial management of residents in Hohhot, including: (1) conservative investment decision-making, (2) traditional way of accepting personal financial services; (3) lack of scientific management and (4) insufficient supply of personal financial services and products. Secondly, it analyzes the factors that affect the personal financial needs of Hohhot residents, including economic factors, social factors, cultural factors and other factors. Economic factors include income, interest rates and financial markets. The fourth part introduces the development and enlightenment of financial management business in developed countries and regions. This paper focuses on the analysis of personal financial services in developed countries and regions from the perspective of the development of financial needs and the degree of satisfaction, and sums up the inspiration for the development of financial services by commercial banks in China. In the fifth part, according to the problems existing in the personal financial needs of the residents of Hohhot, and combined with the enlightenment of the developed countries and regional financial services to our country, the corresponding countermeasures are put forward for how to improve the personal financial management needs of the residents in Hohhot. It mainly includes: (1) setting up correct financial management concept and enhancing risk consciousness; (2) perfecting social security system and eliminating worries in the future; (3) reasonably diverting savings and widening financial channels; (4) to improve the innovation ability of the bank, to carry out the strategy of talent training, (5) to establish and perfect the education system of personal finance in China. In the sixth part, the conclusion and prospect are summarized, the inadequacies are pointed out, and the next research work is briefly explained.
【學位授予單位】：內蒙古財經大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.2
本文編號：2430153
[Abstract]:With the rapid development of the national economy and the improvement of the national income level, the residents' consciousness of investment financial management has begun to wake up, and the demand for investment financial management has shown a rapid growth trend. Personal finance has come into people's life, become a hot topic, become a part of our people's life. The research sample of this paper is the residents of Hohhot. Through the questionnaire survey of the residents' personal financial needs in Hohhot, this paper makes an empirical analysis of some factors that affect the residents' financial needs, and examines the influence relationship between variables, and makes an empirical analysis of the factors that affect the needs of residents' financial management. Then it forms an overall understanding of the current situation of residents' financial demand in Hohhot city, and puts forward some suggestions to improve the demand of residents' investment financial management so as to promote residents to set up correct financial management concepts, scientific financial management, and reasonable increase of property income. This paper consists of six parts. The first part introduces the background, significance, domestic and international research trends, research purposes and methods. It is pointed out that the enhancement of residents' awareness of personal financial management and the increase of wealth have laid a foundation for the study of personal financial needs, and encouraging and helping residents to participate in personal financial management reasonably and scientifically is one of the important ways to achieve the increase of property income. The second part is an overview of personal financial services, which mainly introduces the meaning, principles, steps and theoretical basis of the development of personal financial services, and the third part of empirical analysis, which is the main content of this paper. Firstly, taking the urban residents of Hohhot city as the object of investigation, this paper designs a questionnaire and makes an empirical analysis of the current situation and the existing problems of the residents' personal financial needs in Hohhot through the data obtained from the questionnaire survey. The current situation of residents' personal financial demand in Hohhot is as follows: (1) the consciousness of financial management is revived, the concept of financial management is changed; (2) the income level is improved, the demand of financial management is increased; (3) the main body of demand is hierarchical and the motivation of demand is diversified. At the same time, the investigation also found that there are some problems to be improved in the demand for personal financial management of residents in Hohhot, including: (1) conservative investment decision-making, (2) traditional way of accepting personal financial services; (3) lack of scientific management and (4) insufficient supply of personal financial services and products. Secondly, it analyzes the factors that affect the personal financial needs of Hohhot residents, including economic factors, social factors, cultural factors and other factors. Economic factors include income, interest rates and financial markets. The fourth part introduces the development and enlightenment of financial management business in developed countries and regions. This paper focuses on the analysis of personal financial services in developed countries and regions from the perspective of the development of financial needs and the degree of satisfaction, and sums up the inspiration for the development of financial services by commercial banks in China. In the fifth part, according to the problems existing in the personal financial needs of the residents of Hohhot, and combined with the enlightenment of the developed countries and regional financial services to our country, the corresponding countermeasures are put forward for how to improve the personal financial management needs of the residents in Hohhot. It mainly includes: (1) setting up correct financial management concept and enhancing risk consciousness; (2) perfecting social security system and eliminating worries in the future; (3) reasonably diverting savings and widening financial channels; (4) to improve the innovation ability of the bank, to carry out the strategy of talent training, (5) to establish and perfect the education system of personal finance in China. In the sixth part, the conclusion and prospect are summarized, the inadequacies are pointed out, and the next research work is briefly explained.
【學位授予單位】：內蒙古財經大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.2
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