當(dāng)前的經(jīng)濟趨勢表明,個人對個人財務(wù)狀況管理和退休計劃制定的責(zé)任越來越大。每個國家的個人儲蓄率不一樣,特別是在中國,在消費能力逐漸提高的情況下,個人儲蓄率一直在緩慢下降。市場提供了各種各樣的電子服務(wù)和移動應(yīng)用軟件,以幫助用戶記錄收入和支出,投資和預(yù)算。個人儲蓄率受多種因素的影響(遺傳信息,婚姻狀況,家庭教育和學(xué)校教育,同伴壓力,宗教信仰,文化背景,語言,收入,工作,社會地位等)。本文探討了儲蓄率與移動應(yīng)用程序在個人理財管理中的相關(guān)性。我們還強調(diào)與個人儲蓄和個人財務(wù)行為有關(guān)的某些行為的不合理性。通過對中國在職員工的抽樣調(diào)查,我們發(fā)現(xiàn)移動應(yīng)用程序的投資功能和儲蓄率之間,以及余額查看功能和儲蓄率之間分別存在一定的相關(guān)性。

【文章頁數(shù)】：60 頁

【學(xué)位級別】：碩士

【文章目錄】：
Abstract
摘要
CHAPTER Ⅰ.INTRODUCTION
    1.1 Research Background
    1.2 Research Problem and Objectives
    1.3 Research Methodology
    1.4 Theoretical Value and Practical Implications
    1.5 Limitations and Biases
CHAPTER Ⅱ.THEORETICAL FRAMEWORK AND LITERATURE REVIEW
    2.1 Theoretical Framework on Saving Behavior
    2.2 Literature Overview
        2.2.1 Adoption of Smartphones and the Effect on Human Behavior
        2.2.2 Saving Behavior Factors
        2.2.3 Saving Rate and Saving Behavior in China
        2.2.4 Effect of Mobile Applications on Personal Saving Rate
    2.3 Hypothesis Development
CHAPTER Ⅲ.METHODOLOGY
    3.1 Methodology
    3.2.Questionnaire Design
    3.3 Interview Design
    3.4 Reliability and Validity
CHAPTER Ⅳ.SURVEY ANALYSIS AND RESULTS
    4.1 Sample Size and Demographics
    4.2 Saving Rate Analysis
    4.3 Frequency Analysis
        4.3.1 Saving Behavior Motivation
        4.3.2 Personal Investment Strategy
        4.3.3 Adoption of Mobile Applications for Managing Finance
    4.4 Correlation Analysis: Adoption of Mobile Applications for Managing Finance and Its Impact on Saving Behavior
        4.4.1 Investment Functionality
        4.4.2 Balance Check
        4.4.3 Revenue-Expense Tracking
        4.4.4 Adoption of Different Functions
CHAPTER Ⅴ.CONCLUSION
    5.1 Summary
    5.2 Further Research
APPENDICIES
    Appendix1.Questionnaire(Mandarin Chinese Version)
    Appendix2.Questionnaire(English Version)
    Appendix3.Interview Questions
    Appendix4.Regression Summary Output
BIBILIOGRAPHY



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