摘要
储蓄国债是指一国政府面向个人投资者发行的,以吸收个人储蓄资金为目的,满足长期储蓄性投资需求的一种不可流通国债品种。随着我国经济持续增长和利率市场化不断推进,个人投资者资产管理方式及渠道日益丰富的今天,国债仍然保留了一定比例的市场份额,但是却呈现逐年递减的上升趋势,储蓄国债发行和管理工作面临着新的机遇和挑战。本文以储蓄国债投资行为调查问卷数据为基础,描述储蓄国债投资者的行为特点,并提出相关对策建议。
Savings bond is a kind of non-negotiable national debt issued by a government to individual investors to absorb personal savings funds and meet the long-term savings investment needs.With the sustained economic growth and market-oriented interest rates in China,the asset management methods and channels of individual investors are increasingly abundant.Today,treasury bonds still retain a certain proportion of the market share,but it shows an upward trend of decreasing year by year.The issuance and management of savings treasury bonds are facing new opportunities and challenges.Based on the data of the questionnaire on the investment behavior of savings bonds,this paper describes the behavior characteristics of savings bond investors,and puts forward relevant countermeasures and suggestions.
作者
陈晓峰
靳嘉峰
CHEN Xiaofeng;JIN Jiafeng
出处
《吉林金融研究》
2019年第2期61-64,共4页
Journal of Jilin Financial Research
关键词
国债多元化
发展方向
Diversification of National Debt
Development Direction
