利率下行背景下常州居民投资理财调查研究

Research on investment and financing of Changzhou residents under the background of downward interest rates

尽管城乡居民生活水平显著提高,但是整体上居民对投资理财的参与度偏低,途径单一,主要为储蓄和股票,具有较强的预防性。利率变动对股价变动的影响很小,储蓄对利率的敏感性差,导致利率并不是目前影响居民投资理财的重要因素。所以,文章研究的拓宽居民投资理财渠道和坚持利率市场化显得较为关键。

Although the living standard of urban and rural residents has been significantly improved, the overallparticipation of residents in the investment and financing is low and the way is single, mainly for savings and stocks,which reflets a strong preventablity.The impact of interest rate changes on the stock price changes is very small, andthe interest rate is not sensitive to interest rate, leading to the result that at present interest rate is not the critical factorfor investment and financing of residents.Therefore, to broaden the channels of investment banking and to adhere to theinterest rate market studies in this paper are more critical.