泰安市城镇居民互联网理财状况调查与分析

Investigation and Analysis of the Internet Finance by Urban Residents in Tai'an City

本文对泰安市城镇居民使用互联网理财产品的状况进行了调查分析。分析表明:2013~2016年泰安市城镇居民使用互联网理财产品的数量越来越多,居民对互联网理财产品的接受程度普遍提高;受个人因素的影响,居民在选择互联网理财产品时形成了不同偏好;居民选择互联网理财产品时主要受产品收益率、产品风险、使用满意度等因素影响,其影响程度各不相同。为此,应采取积极创新、健全风险防控机制、完善信息披露机制等措施,推动互联网理财产品更好更快地发展。

This paper makes a survey and analysis of the use of Internet financial products by urban residents in Tai'an.The analysis shows that:In 2013~2016 years,urban residents in Tai'an use more and more Internet financial products;By personal factors,residents formed a different preference in the choice of Internet financial products;residents'choice of Internet financial products mainly effected by the product yield,product risk,customer satisfaction and other factors,The factors have different influence on their choices.Therefore,we should take measures such as aggressive innovation,improve the risk prevention and control mechanism and other measures to further promote the development of Internet financial products.