互联网金融认知与投资风险偏好:90后大学生的特征

Internet Finance Perception and Investment Risk Preference:Features of Post-90s University Students

本文对作为未来市场主力投资者的大学生群体进行了互联网金融方面的调研,利用搜集到的数据建立了Logit和Probit模型来研究影响投资互联网金融产品概率的因素,其中影响投资者选择的诸多因素中,对互联网金融产品的态度是最显著的,其次是对互联网金融公司资产状况的重视程度、对互联网金融了解途径的数量等其他因素。

This paper expounds the background of the issue firstly. In order to study the factors affecting invest-ment probability of Internet financial assets,the Logit and Probit model was established based on the data that was col-lected by the questionnaire, which focuses on the college students who would be the main investors in the future mar-ket. In all factors which influence investors’choices,the attitude on Internet financial products is the significant one, and then follows by concerns for Internet financial firms’assets,the ways to have a better understanding of Internet fi-nance and so on. The empirical results indicate that the model has good explanatory power. Finally,on the basis of em-pirical analysis results, it serves several reasonable suggestions on the promotion of the healthy development of Inter-net finance.