基于迁移家庭资产选择行为的资产组合设计研究

On Design Motivation Based on the Choice Behavior of Migrated Family Assets

本文从设计心理学的动力角度对农村向城镇迁移的居民家庭(即迁移家庭)开展数据调查,探究迁移家庭金融资产选择的行为特征,及引起该行为特征的心理动力因素。研究发现,迁移家庭金融资产结构存在失衡,房产投资对其金融资产选择行为存在一定的"挤出效应";有序的Logistic模型实证分析表明,认知水平、投资心理、进入城镇的不同方式,以及社会保障对迁移家庭的金融资产参与度有显著影响,认知水平较高的迁移家庭在金融资产选择上更加多元化,家庭决策者的投资心理影响整个家庭对不同风险程度金融资产的选择,社会保障相对健全对迁移家庭而言有较大的推动作用,从而更愿意主动迁移,因此,对金融资产的参与度更高。

From the perspective of design dynamics,this paper carried out a data survey on rural households migrating to urban areas(migrating families for short),and explores the behavioral characteristics of migrating family financial asset selection and the physiological and psychological factors that cause this behavior.The study found that for migrating families there is an unbalanced structure of financial assets and their real estate investment produces some“crowding out effect”on their financial asset selection behavior.Empirical analysis of ordered Logistic model further showed that their cognition level,investment psychology status,different ways of entering towns and cities and the social security all have a significant effect on migrant households financial asset participation.The migrating families with higher cognitive levels tend to be more diversified in their choice of financial assets,and family decision makers’investment attitude influences the whole family in their choice of financial assets with different degrees of risk.Relatively sound social security has strong influence on the migration of families,who are more willing to take the initiative to transfer,therefore,they are more involved in financial assets.