摘要
以西南财经数据库的中国家庭金融调查2011年数据为样本,从地域差异入手,运用多个SEM模型分析了我国中部、东部和西部地区家庭金融资产配置的主要影响因素。将影响因素分为经济因素、家庭因素及行为心理因素三大类。实证结果表明,在不同区域,影响家庭金融资产配置的因素各不相同,各因素的影响效力也大不一样,呈现出显著的区域差异。金融机构需要因地制宜推行不同的营销策略及理财产品,各地政府要提高居民保障力度、普及基本金融知识,并引导居民合理进行金融资产配置。
Taking the data of China family financial survey（ 2011） in southwest finance and economics database as sample,the main factors influencing the allocation of household financial assets in central,eastern and western China are analyzed by using several SEM models. Influencing factors are categorized into economic,house holding and behavior. The empirical results of SEM models reflect significant regional differences from the numbers of factors and varied significance. Based on the result of this research,In different regions,the factors that affect the allocation of household financial assets are different,and the effects show various factors are not the same,showing significant regional differences. Financial institutions need to carry out different marketing strategies and financial products according to local conditions. Governments should improve their residents＇ support,popularize basic financial knowledge,and guide residents to make rational allocation of financial assets.
出处
《福建农林大学学报（哲学社会科学版）》
2017年第6期78-83,共6页
Journal of Fujian Agriculture and Forestry University(Philosophy and Social Sciences)
基金
广东省自然科学基金面上项目(2015A030313338)
关键词
家庭金融资产配置
区域差异
SEM模型
allocation of household financial assets ~ regional differences ~ SEM models
