浙江省城市居民家庭投资理财行为研究以股票、房产投资为例.docVIP

浙江省城市居民家庭投资理财行为研究一以股票、房产投资为例 摘 要 随着经济的不断发展和市场竞争的加剧，我国金融投资业进入了一个更为激烈的竞争 环境，家庭金融资产也不断增加。由子投资品种H益增多，所需的专业知识也不尽相同， 投资方法也很难完全掌握。且FI前我岡许多理财产品组合尚不成熟，与一些发达国家相比, 普遍存在着数量少、不健全、増速慢等M题。据统计，在浙江省城镇屈民家庭理财中，财 产性收入的比重约为5%?15%。而与发达国家相比，以美国为例，财产性收入所占百分 比就达到40%,仅次于薪资收入，有90%以上的美国人拥有股票、基金等有价证券。 我W尚处于发展型阶段，各方而的发展潜力仍冇空间可以发掘，在完善投资理财市场 的同时，也需要普及相关的知识。投资理财作为将财产合理运用的一种重耍的方法，是提 高资金利用率、规避风险重要和最冇效的手段之一。 木文对家庭的投资理财的这一行为以及风险和风险规避进行Y分析和讨论。 关键词金融资产；投资理财；风险规避 FINANCE AND INVESTMENT BEHAVIOR OFURBAN HOUSEHOLDS IN ZHEJIANGPROVINCE ? TAKING STOCK, REAL ESTATEINVESTMENT AS AN EXAMPLE ABSTRACT With the development of economy continues and market competition，China’s financial investment industry into a more competitive environment，also the household financial assets increasing. Due to the growing of the investment products，expertise required are not the same ’investment approach is difficult to fully grasp either.In addition many of our current portfolio of financial products is not mature yet，compared with some developed countries, the prevalence of small quantities has characteristic which is not perfect，slow growth and so on.According to statistics，financial management of urban households in Zhejiang province, the proportion of property income of about 5% to 15%. Compared with the developed countries like United States as an example, the proportion of property income reached 40 percent just below to salary income, more than 90 percent of Americans own stocks, funds and other securities. China is still in the developmental stage，there is still potential for development in all aspects of space to explore, in improving the investment banking market，also need to popularize related knowledge. Investment banking as an important way to the rational use of the property, is used to improve the utilization of funds, to avoid the risk of important and one of the most effective means. In this paper，the behavior of family investment and financial management as well as risk and risk aversion are analyzed and discu