摘要
近年来互联网金融理财行为越来越普遍,为了探索影响互联网金融理财行为的关键性因素,本文以大学生这一特殊群体为实验对象,利用问卷调查对个人的投资现状及其行为特征进行实证研究,并通过logistic和OLS的方法建立起相应的回归模型,从风险偏好、过度自信以及专业素养等方面系统地研究影响微观个体参与互联网金融理财行为的因素。研究发现,大学生互联网理财的意愿和收益显著受到这三个因素的影响。
In recent years, online financial management has become much more common and convenient. To explore the key factors that may influence internet wealth management behavior, we chose college students as research object to carry out our empirical study. Our results show evidence that the intensions and yields of online financial management are strongly associated with one5s risk appetite and the level of overconfidence. Besides, financial knowledge also has an impact on people5 s internet wealth management behavior.
作者
宋佳倩
张玉栋
张聪
Song Jiaqian Zhang Yudong Zhang Cong(Beijing Normal University, Beijing 100875, China)
出处
《金融理论探索》
2017年第2期46-54,共9页
Exploration of Financial Theory
关键词
互联网金融
大学生
理财行为
过度自信
风险偏好
internet finance
college students
wealth management behavior
overconfidence
risk appetite
