【摘要】：家庭金融作為一個新的研究方向,越來越受到國內(nèi)外學者的青睞。隨著我國居民收入的極大豐富和金融市場的不斷深化發(fā)展,金融類產(chǎn)品種類不斷豐富、金融環(huán)境日趨復雜,家庭的消費與儲蓄行為、借貸行為等都發(fā)生顯著變化。目前,家庭金融資產(chǎn)總量分布不均、金融資產(chǎn)結構失衡等微觀問題普遍存在。金融素養(yǎng)作為個體參與投資決策的一個重點要素,對居民個體、家庭乃至整個社會的行為都有重要的影響,金融素養(yǎng)的提高是消費者規(guī)避系統(tǒng)風險的重要舉措。研究金融素養(yǎng)、風險態(tài)度與家庭金融行為的關系,目的在于提高我國居民的金融素養(yǎng)和風險識別意識,增加家庭財富規(guī)模,提高家庭金融行為的活躍度,促進金融行業(yè)的發(fā)展,進而提升社會福祉。因此,本文采取建立理論模型、統(tǒng)計分析和實證研究的方法深入地研究了金融素養(yǎng)、風險態(tài)度與家庭金融行為的內(nèi)在聯(lián)系。首先,利用中國家庭金融調(diào)查項目的微觀數(shù)據(jù),構建了風險態(tài)度影響因素理論模型,通過實證檢驗了金融素養(yǎng)與風險態(tài)度的內(nèi)在關聯(lián)性。其次,利用因子分析法構造了金融素養(yǎng)指數(shù),在控制其他相關變量的前提下,重點評估金融素養(yǎng)、風險態(tài)度對家庭總財富、家庭汽車消費、養(yǎng)老計劃等家庭金融行為的影響程度。實證結果表明當個體具備較高金融素養(yǎng)時,表現(xiàn)出更高的風險偏好,會提高參與金融活動的自信度,降低交易成本,增加總財富,提高對耐用品或奢侈品的支出,并促使其采取更加主動的養(yǎng)老方式。最后,根據(jù)實證分析結論,我們主要給政府部門、金融機構和家庭自身提供一些建議。從政府角度來說,應加大對金融知識的教育力度,提高我國居民金融素養(yǎng)水平;提高居民的收入,合理收入結構;完善養(yǎng)老保險政策及相關福利制度。從金融機構的角度來說,應提供合適的金融產(chǎn)品,并定期舉辦關于理財方面的講座。從投資者的角度來說,應加強金融知識和技能方面的學習,并根據(jù)自身風險偏好及投資需求選擇適合自身的金融資產(chǎn),主動選擇合理的養(yǎng)老計劃。
[Abstract]:As a new research direction, family finance is more and more favored by scholars at home and abroad. With the rich income of residents and the deepening development of financial market, the financial products are becoming more and more abundant, the financial environment is becoming more and more complex, the consumption and saving behavior of households and the behavior of borrowing and borrowing have all changed significantly. At present, micro problems such as uneven distribution of household financial assets and imbalance of financial assets structure exist widely. As a key element of individual participation in investment decision-making, financial literacy has an important impact on the behavior of residents, families and even the whole society. The improvement of financial literacy is an important measure for consumers to avoid systemic risks. This paper studies the relationship between financial literacy, risk attitude and family financial behavior in order to improve the financial literacy and risk identification consciousness of Chinese residents, increase the scale of family wealth, enhance the activity of family financial behavior, and promote the development of financial industry. In order to enhance the well-being of society. Therefore, this paper takes the methods of establishing theoretical model, statistical analysis and empirical research to deeply study the relationship between financial literacy, risk attitude and family financial behavior. Firstly, using the microcosmic data of Chinese household financial survey project, the theoretical model of influencing factors of risk attitude is constructed, and the internal correlation between financial literacy and risk attitude is tested by empirical analysis. Secondly, the financial literacy index is constructed by using factor analysis method. On the premise of controlling other relevant variables, financial literacy, risk attitude to the family total wealth, household car consumption, The degree of influence of family financial behavior such as pension plan. The empirical results show that when individuals have higher financial literacy, they exhibit higher risk preference, which will increase confidence in participating in financial activities, reduce transaction costs, increase total wealth, and increase expenditure on durable goods or luxury goods. And urge it to take a more active way of providing for the aged. Finally, according to the conclusions of empirical analysis, we mainly give some advice to government departments, financial institutions and households themselves. From the point of view of the government, we should strengthen the education of financial knowledge, improve the level of financial literacy of Chinese residents, improve the income of residents, reasonable income structure, and improve the endowment insurance policy and related welfare system. From the perspective of financial institutions, appropriate financial products should be provided and regular lectures on financial management should be held. From the point of view of investors, we should strengthen the learning of financial knowledge and skills, and choose the appropriate financial assets according to our own risk preference and investment demand, and take the initiative to choose a reasonable pension plan.
【學位授予單位】：首都經(jīng)濟貿(mào)易大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832

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