对我国家庭金融资产选择的实证分析-金融学专业论文.docxVIP

南京财 南京财经大学硕士学位论文 PAGE PAGE 10 Abstract Since three decades of reform, Chinas productive forces have been greatly developed, comprehensive national strength also improved significantly, per capita national income and the peoples living standards improved markedly. At the same time, a variety of financial instruments are also continuously developing, the choice of household financial assets varies from one single savings to more diverse and complex one. In recent years, the government has become increasingly concerned with the livelihood problems, thus improving people’s income level from property and narrowing the income gap are on the agenda. Therefore, the study on how families select financial assets plays an extremely important role in the economic and financial development and stability and the improvement of peoples living standards. First this dissertation uses the relevant data to estimate the distribution of household financial assets, and dynamically analyzes the changes in the quantities and structure of our familys financial assets. Second we make qualitative analysis about the factors which affect the choosing behaviors of household financial assets in China from the macro and micro views. After employing Co-integration test and Granger causes and other measurement methods to empirically analyze the macroeconomic influencing factors, we found that: GDP shows positive correlation with financial assets except for the insurance; CPI is negatively correlated with financial assets other than insurance, but has a positive correlation with interest rates, deposits and insurance. CPI also has a negative correlation with stocks, funds, bonds, assets. Then we descriptively analyze influencing factors with micro data which is collected by sending questionnaires, and found that: income, age, education level, gender, real estate and other factors affect the choice of household financial assets. Finally, we make some political recommendations expecting to have a ce