發(fā)布時間：2018-11-06 13:34

【摘要】：隨著我國經(jīng)濟(jì)和社會的發(fā)展,中國居民及家庭在財富快速增長的同時也需面對市場的各種不確定因素。因此,如何管理家庭資產(chǎn)、如何進(jìn)行理財投資規(guī)劃、如何分散風(fēng)險以及如何提高家庭財富等問題是每一個居民和家庭都應(yīng)引起重視的問題。另外,經(jīng)過眾多調(diào)查研究,一個值得引起注意的現(xiàn)象是,多數(shù)被調(diào)查的居民和家庭認(rèn)為其自身屬于風(fēng)險收益兼顧型,而只有極少部分居民和家庭認(rèn)為他們屬于風(fēng)險偏好型和保本穩(wěn)固型。但與這一情況相反的是,以中等風(fēng)險理財投資產(chǎn)品為主要投資對象的家庭卻極少,而以高風(fēng)險或低風(fēng)險產(chǎn)品為主的家庭非常多。由此可見,中國有很大比例的居民和家庭都存在其風(fēng)險偏好和理財投資規(guī)劃不符的問題。因此,本文對以上涉及的問題進(jìn)行研究,旨在幫助城市居民和家庭制定合理的理財投資規(guī)劃。 本文的第三章至第五章為主體部分。第三章是對影響我國城市居民理財投資選擇的因素進(jìn)行研究。結(jié)合相關(guān)專家學(xué)者的研究成果以及本文的分析結(jié)論,總結(jié)出的考慮因素主要包括三大類,分別為家庭因素、產(chǎn)品因素和理財投資目的等。第四章是對城市居民及家庭的金融理財投資產(chǎn)品選擇偏好進(jìn)行研究,通過發(fā)放調(diào)查問卷,運(yùn)用多維偏好分析、聚類分析等方法對收集到的數(shù)據(jù)進(jìn)行實證分析,主要可以得到三方面的結(jié)論：(1)不同類型的城市居民和家庭在進(jìn)行金融理財投資決策時,哪些因素會對他們的決策結(jié)果產(chǎn)生影響；(2)不同類型的城市居民和家庭分別對哪些金融理財投資產(chǎn)品更為偏好；(3)城市居民及家庭在理財投資選擇和決策過程中凸顯出了哪些問題,其中主要問題為有很大比例的居民和家庭都存在風(fēng)險偏好和理財投資規(guī)劃不符的問題。第五章是為城市居民及家庭的金融理財投資產(chǎn)品選擇提供建議,以上文的分析結(jié)論為依據(jù),結(jié)合我國不同類型的城市居民和家庭在金融理財投資方面的選擇偏好和目前存在的問題,為城市居民和家庭如何科學(xué)、合理、有效地選擇金融理財投資產(chǎn)品以及如何進(jìn)行理財投資組合提供針對性建議。
[Abstract]:With the development of China's economy and society, Chinese residents and families have to face all kinds of uncertain factors in the market while their wealth increases rapidly. Therefore, how to manage family assets, how to plan financial investment, how to spread risks and how to improve family wealth are problems that should be paid attention to by every resident and family. In addition, after many investigations and studies, one notable phenomenon is that most of the residents and families surveyed consider themselves to be risk-benefit balanced. Only a small number of residents and families consider them to be risk-prone and capital-preserving. However, in contrast to this situation, there are very few households with medium risk investment products as the main investment object, and there are many families with high risk or low risk products. Therefore, a large proportion of Chinese residents and families have their risk appetite and financial investment planning problems. Therefore, the purpose of this paper is to help urban residents and families to make reasonable financial investment planning. The third to fifth chapters are the main part. The third chapter is to study the factors that affect the choice of financial investment of urban residents in China. Combined with the research results of relevant experts and scholars as well as the conclusion of this paper, the main considerations include three categories: family factors, product factors and financial investment purposes. The fourth chapter is to study the choice preference of financial investment products of urban residents and families, through issuing questionnaires, using multi-dimensional preference analysis, cluster analysis and other methods to analyze the collected data empirically. The main conclusions can be drawn from three aspects: (1) when different types of urban residents and families make financial investment decisions, what factors will affect their decision results; (2) different types of urban residents and households have more preference for financial management and investment products; (3) what problems have been highlighted by urban residents and families in the process of choosing and making financial investment, among which the main problem is that a large proportion of residents and families have the problem that risk preference and financial investment plan are not in accordance with each other. The fifth chapter is to provide suggestions for the choice of financial management and investment products for urban residents and families. Combining the choice preference of different types of urban residents and families in financial management and investment in China and the existing problems, how to be scientific and reasonable for urban residents and families, Effective choice of financial investment products and how to carry out financial investment portfolio to provide targeted advice.
【學(xué)位授予單位】：北京郵電大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.48

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本文編號：2314430