居民家庭金融资产选择的影响因素：基于银行理财业务的调查分析-金融学专业论文.docxVIP

摘 要 随着中国经济的飞速发展和金融市场的开放创新, 中国家庭金融资产选择 行为不再单一，“财富数量、收入、年龄、教育程度”等因素影响着每个居民家 庭对风险性金融资产的选择。 本文通过对某一家银行北京地区的 127942 个家庭金融资产选择影响因素进 行调查分析，结果表明：首先，财富数量的增加对居民家庭金融风险性资产选择 是正相关性的，而且是最显著因素。其次，收入越高，居民家庭参与风险性投资 的比例越高，突破一定“临界点”后风险性资产投资急剧上升。然后，年龄对于 家庭金融风险性资产的影响呈现“倒 U 型”。最后，教育程度的影响呈现“波浪 型”，最大的“波峰”在大学本科，最高教育程度的博士意外成为了“波谷”。 根据调查研究，提出几点政策建议：第一，银行理财应将自己定位为风险性 资产的投资管理人，树立“收益和风险对等”理念。第二，银行理财应以财富数 量为核心，以收入、年龄、教育程度等因素来精细化目标客户群体。第三，银行 理财应加强投资者教育，树立长期投资的风险理念。第四，银行理财应该专业化 分析不同层级居民家庭的风险偏好，不断创新银行理财服务。最后，建议银行金 融机构推动产业研究和理论研究，将家庭金融资产选择理论更好地运用到银行理 财实践，推动我国金融市场的繁荣发展。 关键词：家庭金融,风险性资产,银行理财,影响因素 Abstract With the rapid development of Chinese economic, with the open and innovation of financial market, the Chinese Household Financail assets selection is no longer single. The selections of each household risky financial assets are infuenced by wealth, income, age, education and other factors. In this paper, Household Financial assets selections of 127942 families were investigated based on the data of a bank in Beijing. Results show that: Firstly, the growth of family wealth has positive correlations to risky assets, and the wealth is the most significant in all factors. Secondly, when the income became higher, the proportion of risky assets would be higher, especially, when the income exceeded a certain critical point, the risky assets proportion would rise sharply. Thirdly, the influence of age show inverted U. Finally, the effect of education like wave, the biggest wave is the bachelors degree, however, the doctor degree, as the highest level of education, accidently is the trough. According to the investigation and research, this thesis puts forward some policy suggestions: Firstly, the bank financial management should be positioning itself as the management of risk asset investments, establish a profit and risk equivalence concept. Secondly, the bank financial management should be based on the wealth as the core factor. With the help of income, age, education, we can find different fine target custom