【作者】 刘兴华；

【导师】 高莹；

【作者基本信息】 东北大学 ， 金融学， 2012， 硕士

【摘要】 随着我国改革开放进程的加快,家庭拥有的金融资产越来越多,家庭的金融资产的选择情况逐渐成为影响我国金融行业发展的重要因素,甚至对整个国民经济的发展都产生重要作用,家庭金融将会在今后成为理论和实务界关注和研究的重点与热点。首先,本文从家庭金融资产的研究背景、家庭金融资产选择的影响因素等方面进行了概括性介绍,重点归纳和总结了关于城乡二元结构下家庭金融资产配置的国内外代表性文献。采用SPSS软件对调查问卷所得数据进行处理,为了研究各种金融资产选择影响因素的异同,对金融资产进行划分,最终划分为五类金融资产。接着采用因子分析方法,通过特征值大于1提取到了三个因子,根据因子得分对五类金融资产做二项logistic回归分析,对比影响因素的异同。其次,结合我国的城乡二元结构,根据城市和农村的三个因子得分分别进行二项logistic回归,将回归结果进行对比研究,探索城市和农村在各类金融资产的选择上影响因素的异同。城乡内部各家庭的各自情况各不相同,导致各家庭进行金融资产选择时受到的影响因素也有所不同,因此需要将城乡内部家庭样本分成不同的家庭类型再分别加以研究,首先根据因子得分分别对城市和农村的样本采用spss两步聚类的方法进行聚类分析,城市和农村家庭样本各分成了四类,接着对各类型家庭的基本特征进行归纳,然后根据因子得分对各类型的家庭的五类金融资产分别进行二项logistic回归分析,通过回归分析可以发现各因子对各类型家庭金融资产选择的影响的异同,进一步探索家庭和金融机构针对不同类型家庭进行金融资产推荐时应该注意的问题,并对城乡样本进行了对比研究。最后,总结全文,通过对家庭金融资产选择影响因素的研究,提出金融机构应采取的相应对策,并指出本文的不足之处和今后需要进一步进行深入研究的相关的具体方向。更多还原

【Abstract】 With the acceleration of the process of China’s reform and opening up, family has increasing number of financial assets. Choice of household financial allocation gradually become an important factor in China’s financial and even influence the financial industry and the whole the development of the national economy. Family finance will become the focus of theory and practice study in the future.At first, this paper gives a general introduction of the background and influencing factors of the household financial assets. We summarize the representative domestic and foreign literatures about the household financial asset allocation. In order to investigate the similarities and differences of the influencing factors, we use the SPSS software to process the questionnaire data and divide five categories of financial assets. We use eigenvalue of larger than one to extract three factors. In order to explore the similarities and differences of the influencing factors, we create the binary logistic regression model.Secondly, according to binary logistic regression and combining China’s urban-rural dual structure, we compare the regression results to reflect the similarities and differences in the choice of various types of household financial assets. In Urban and rural areas, their own circumstances are not the same. This leads the influencing factors to be different when the families select the household financial assets, so we need to divide into different types of families to study. The urban and rural samples were used to make two-step clustering. We divide urban and rural household samples into four categories. We summarize separately the basic characteristics of four categories of urban and rural families, and then use the binary logistic regression to explore their similarities and differences and point out the problem we should pay attention to. At the same time, we make a comparative study between urban and rural samples.Finally, we give a conclusion and some suggestions of the influencing factors of household asset allocation to financial institution. We point out the deficiencies of this paper and give some specific directions for further research.更多还原