北京市居民家庭金融资产投资影响因素分析的了解.docVIP

北京市居民家庭金融资产投资影响因素分析 单位 名称：中国传媒大学 参赛人姓名：李文磊、郭燕婷、张彤 联系人电话 联系人邮箱：liwenlei26@ 2009年9月29日 摘要 本文从北京市居民家庭金融资产投资的影响因素入手，对居民家庭的可支配收入、消费和风险这三个 ABSTRACT The analysis of three macroscopic factors, the disposable income, the consumption expenditure and the risk, has been done, starting from the influence factors of the investment of the financial assets of the families of Beijing. According to the regression analysis, the influence of the income and consumption on the investment of the financial assets has been studied, and the relationship between the income, the consumption and the investment of the financial assets of the families of Beijing before and after 2002 has been confirmed by the test of Chow; the various influence of the different income levels on the financial asset investment has been studied according to the econometric model, and the relationship between the families consumption and the financial assets investment has been analyzed from the point of view of the average venture capital trends and the marginal risk propensity to invest; finally, the relationship between the families income, the consumption increase rate, and the financial assets investment increase rate. Studies show the positive correlation exists between the families financial assets investment and the income, and the negative correlation exists between the families financial assets investment and the consumption, furthermore, the influences of the different income level on the families financial assets investment vary greatly; while the studies of the risks factors show that the families financial assets investment of Beijing tends to be conservative, the investment awareness tends to be good, which will lead to the low investment efficiency. On the aspect of the increasing rate, the increasing velocity of the family income will prompt the financial investment of the financial assets investment, but