本文關鍵詞： 金融產品 頻數(shù)分析 相關性分析 回歸分析 個人風險偏好　出處：《鄭州大學》2017年碩士論文　論文類型：學位論文

【摘要】：隨著我國經濟的快速發(fā)展,居民家庭收入水平得到顯著提升,居民對金融產品的選擇也呈現(xiàn)多元化發(fā)展趨勢。但由于國內經濟的過快發(fā)展,金融市場拔苗助長的種種弊端也逐漸顯露出來,如何正確引導居民選擇合適的金融產品變得至關重要。然而個人金融產品選擇行為的相關數(shù)據(jù)收集比較困難,致使現(xiàn)今對這一問題的研究很少,因而研究居民金融產品的選擇行為,具有顯著的指導價值及實踐意義。本文運用理論分析和統(tǒng)計分析相結合的方法,對居民金融產品的選擇行為,通過調查,進行量化分析。首先,就國內外居民金融產品選擇現(xiàn)狀進行理論分析,得出選擇行為的諸多影響因素。其次,運用頻數(shù)分析、相關性分析、線性回歸分析對國內金融市場現(xiàn)有數(shù)據(jù)進行統(tǒng)計分析,得到居民工資總額、金融業(yè)增加值、保險公司資產、人民儲蓄存款總額、居民消費價格定基指數(shù)、就業(yè)人數(shù)、普通高校數(shù)量之間的相關關系。同時,就鄭州市居民金融產品的選擇行為進行了問卷調查和統(tǒng)計分析,得出金融市場存在的部分問題和不同人群對金融產品選擇上的不同側重點。最后,對本文的研究結論進行歸納總結,并就居民金融產品選擇行為上存在的問題提出意見和政策建議。
[Abstract]:With the rapid development of China's economy, the income level of households has been significantly increased, and residents' choice of financial products has also shown a trend of diversified development. However, due to the rapid development of the domestic economy, The drawbacks encouraged by the financial market are also gradually revealed. How to correctly guide residents to choose the right financial products becomes very important. However, it is more difficult to collect relevant data on the behavior of individual financial product selection. As a result, there are few researches on this issue nowadays, so it is of great guiding value and practical significance to study the choice behavior of residents' financial products. This paper applies the method of combining theoretical analysis with statistical analysis. Through investigation, quantitative analysis is carried out on the choice behavior of residents' financial products. Firstly, theoretical analysis is carried out on the present situation of domestic and foreign residents' choice of financial products, and many influential factors are obtained. Secondly, frequency analysis is used to analyze the choice behavior of residents' financial products. Correlation analysis, linear regression analysis on the existing data of the domestic financial market, obtained the residents' total wages, the added value of the financial industry, the assets of insurance companies, the total amount of people's savings deposits, the fixed base index of residents' consumption price, The correlation between the number of employed people and the number of ordinary colleges and universities. At the same time, a questionnaire survey and statistical analysis were conducted on the behavior of Zhengzhou residents' choice of financial products. Some problems existing in the financial market and different emphasis on the choice of financial products by different groups of people are obtained. Finally, the conclusions of this paper are summarized and summarized. And put forward the opinion and policy suggestion to the resident financial product choice behavior question.
【學位授予單位】：鄭州大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F713.55;F832.2;O212.1
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本文編號：1517719