投资理财行为与风险偏好的调查研究

Investigation and Study on Investment Behavior and Risk Preference

文章通过问卷调查的方式,研究了居民家庭投资理财行为的现状,并分析了居民家庭特征与风险偏好的关系。结论显示居民家庭投资理财行为较为保守,有阶段性投资理财行为的比例不高,风险偏好中性。学历越高、年龄越小、职业越稳定、家庭收入越高,居民家庭投资理财越偏好高风险。

This paper has studied the current situation of investment behavior of households through the questionnaire sur- vey way, and analyzed the relationship between family characteristics of residents and risk preference. The conclusion showed that household＇s investment behavior is more conservative, the ratio of stage investment behavior is not high, risk preference is neutral. The higher the degree, the more stable the younger age, occupation, family income is more big, the residents of family finance and investment prefer higher risk when his education is higher, age is younger, occupation is more stable and earn more.