基于多维偏好分析的国内城市居民金融理财投资产品选择研究

发布时间：2018-11-06 13:34

【摘要】：随着我国经济和社会的发展,中国居民及家庭在财富快速增长的同时也需面对市场的各种不确定因素。因此,如何管理家庭资产、如何进行理财投资规划、如何分散风险以及如何提高家庭财富等问题是每一个居民和家庭都应引起重视的问题。另外,经过众多调查研究,一个值得引起注意的现象是,多数被调查的居民和家庭认为其自身属于风险收益兼顾型,而只有极少部分居民和家庭认为他们属于风险偏好型和保本稳固型。但与这一情况相反的是,以中等风险理财投资产品为主要投资对象的家庭却极少,而以高风险或低风险产品为主的家庭非常多。由此可见,中国有很大比例的居民和家庭都存在其风险偏好和理财投资规划不符的问题。因此,本文对以上涉及的问题进行研究,旨在帮助城市居民和家庭制定合理的理财投资规划。本文的第三章至第五章为主体部分。第三章是对影响我国城市居民理财投资选择的因素进行研究。结合相关专家学者的研究成果以及本文的分析结论,总结出的考虑因素主要包括三大类,分别为家庭因素、产品因素和理财投资目的等。第四章是对城市居民及家庭的金融理财投资产品选择偏好进行研究,通过发放调查问卷,运用多维偏好分析、聚类分析等方法对收集到的数据进行实证分析,主要可以得到三方面的结论：(1)不同类型的城市居民和家庭在进行金融理财投资决策时,哪些因素会对他们的决策结果产生影响；(2)不同类型的城市居民和家庭分别对哪些金融理财投资产品更为偏好；(3)城市居民及家庭在理财投资选择和决策过程中凸显出了哪些问题,其中主要问题为有很大比例的居民和家庭都存在风险偏好和理财投资规划不符的问题。第五章是为城市居民及家庭的金融理财投资产品选择提供建议,以上文的分析结论为依据,结合我国不同类型的城市居民和家庭在金融理财投资方面的选择偏好和目前存在的问题,为城市居民和家庭如何科学、合理、有效地选择金融理财投资产品以及如何进行理财投资组合提供针对性建议。
[Abstract]:With the development of China's economy and society, Chinese residents and families have to face all kinds of uncertain factors in the market while their wealth increases rapidly. Therefore, how to manage family assets, how to plan financial investment, how to spread risks and how to improve family wealth are problems that should be paid attention to by every resident and family. In addition, after many investigations and studies, one notable phenomenon is that most of the residents and families surveyed consider themselves to be risk-benefit balanced. Only a small number of residents and families consider them to be risk-prone and capital-preserving. However, in contrast to this situation, there are very few households with medium risk investment products as the main investment object, and there are many families with high risk or low risk products. Therefore, a large proportion of Chinese residents and families have their risk appetite and financial investment planning problems. Therefore, the purpose of this paper is to help urban residents and families to make reasonable financial investment planning. The third to fifth chapters are the main part. The third chapter is to study the factors that affect the choice of financial investment of urban residents in China. Combined with the research results of relevant experts and scholars as well as the conclusion of this paper, the main considerations include three categories: family factors, product factors and financial investment purposes. The fourth chapter is to study the choice preference of financial investment products of urban residents and families, through issuing questionnaires, using multi-dimensional preference analysis, cluster analysis and other methods to analyze the collected data empirically. The main conclusions can be drawn from three aspects: (1) when different types of urban residents and families make financial investment decisions, what factors will affect their decision results; (2) different types of urban residents and households have more preference for financial management and investment products; (3) what problems have been highlighted by urban residents and families in the process of choosing and making financial investment, among which the main problem is that a large proportion of residents and families have the problem that risk preference and financial investment plan are not in accordance with each other. The fifth chapter is to provide suggestions for the choice of financial management and investment products for urban residents and families. Combining the choice preference of different types of urban residents and families in financial management and investment in China and the existing problems, how to be scientific and reasonable for urban residents and families, Effective choice of financial investment products and how to carry out financial investment portfolio to provide targeted advice.
【学位授予单位】：北京邮电大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.48

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