發(fā)布時(shí)間：2018-02-19 17:33

  本文關(guān)鍵詞： 金融產(chǎn)品 頻數(shù)分析 相關(guān)性分析 回歸分析 個(gè)人風(fēng)險(xiǎn)偏好　出處：《鄭州大學(xué)》2017年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：隨著我國(guó)經(jīng)濟(jì)的快速發(fā)展,居民家庭收入水平得到顯著提升,居民對(duì)金融產(chǎn)品的選擇也呈現(xiàn)多元化發(fā)展趨勢(shì)。但由于國(guó)內(nèi)經(jīng)濟(jì)的過(guò)快發(fā)展,金融市場(chǎng)拔苗助長(zhǎng)的種種弊端也逐漸顯露出來(lái),如何正確引導(dǎo)居民選擇合適的金融產(chǎn)品變得至關(guān)重要。然而個(gè)人金融產(chǎn)品選擇行為的相關(guān)數(shù)據(jù)收集比較困難,致使現(xiàn)今對(duì)這一問(wèn)題的研究很少,因而研究居民金融產(chǎn)品的選擇行為,具有顯著的指導(dǎo)價(jià)值及實(shí)踐意義。本文運(yùn)用理論分析和統(tǒng)計(jì)分析相結(jié)合的方法,對(duì)居民金融產(chǎn)品的選擇行為,通過(guò)調(diào)查,進(jìn)行量化分析。首先,就國(guó)內(nèi)外居民金融產(chǎn)品選擇現(xiàn)狀進(jìn)行理論分析,得出選擇行為的諸多影響因素。其次,運(yùn)用頻數(shù)分析、相關(guān)性分析、線(xiàn)性回歸分析對(duì)國(guó)內(nèi)金融市場(chǎng)現(xiàn)有數(shù)據(jù)進(jìn)行統(tǒng)計(jì)分析,得到居民工資總額、金融業(yè)增加值、保險(xiǎn)公司資產(chǎn)、人民儲(chǔ)蓄存款總額、居民消費(fèi)價(jià)格定基指數(shù)、就業(yè)人數(shù)、普通高校數(shù)量之間的相關(guān)關(guān)系。同時(shí),就鄭州市居民金融產(chǎn)品的選擇行為進(jìn)行了問(wèn)卷調(diào)查和統(tǒng)計(jì)分析,得出金融市場(chǎng)存在的部分問(wèn)題和不同人群對(duì)金融產(chǎn)品選擇上的不同側(cè)重點(diǎn)。最后,對(duì)本文的研究結(jié)論進(jìn)行歸納總結(jié),并就居民金融產(chǎn)品選擇行為上存在的問(wèn)題提出意見(jiàn)和政策建議。
[Abstract]:With the rapid development of China's economy, the income level of households has been significantly increased, and residents' choice of financial products has also shown a trend of diversified development. However, due to the rapid development of the domestic economy, The drawbacks encouraged by the financial market are also gradually revealed. How to correctly guide residents to choose the right financial products becomes very important. However, it is more difficult to collect relevant data on the behavior of individual financial product selection. As a result, there are few researches on this issue nowadays, so it is of great guiding value and practical significance to study the choice behavior of residents' financial products. This paper applies the method of combining theoretical analysis with statistical analysis. Through investigation, quantitative analysis is carried out on the choice behavior of residents' financial products. Firstly, theoretical analysis is carried out on the present situation of domestic and foreign residents' choice of financial products, and many influential factors are obtained. Secondly, frequency analysis is used to analyze the choice behavior of residents' financial products. Correlation analysis, linear regression analysis on the existing data of the domestic financial market, obtained the residents' total wages, the added value of the financial industry, the assets of insurance companies, the total amount of people's savings deposits, the fixed base index of residents' consumption price, The correlation between the number of employed people and the number of ordinary colleges and universities. At the same time, a questionnaire survey and statistical analysis were conducted on the behavior of Zhengzhou residents' choice of financial products. Some problems existing in the financial market and different emphasis on the choice of financial products by different groups of people are obtained. Finally, the conclusions of this paper are summarized and summarized. And put forward the opinion and policy suggestion to the resident financial product choice behavior question.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F713.55;F832.2;O212.1
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本文編號(hào)：1517719