家庭金融资产总量与选择因素研究——以蚌埠市为例

On total household financial assets and selection factors ——Take case of Bengbu City

通过对安徽省蚌埠市不同家庭金融资产选择行为进行调查,从微观角度总结家庭金融资产配置特征,运用Tobit模型深入研究蚌埠市家庭金融资产总量与选择行为的影响因素.研究表明,蚌埠市居民家庭资产总量偏低且结构较为单一,其中金融资产总量、学历、年龄和风险偏好等因素对家庭金融资产总量与选择行为有明显影响;此外,家庭年收入与结余也对家庭储蓄存款比例产生明显影响.

Investigates the financial asset selection behavior of different households in Bengbu City of Anhui Province,summarizes the characteristics of household financial asset allocation from a micro perspective,and uses Tobit model to study the factors of influencing household financial asset aggregates and choices in Bengbu City. The results show that the total household assets in Bengbu City are low related and the structure is relatively simple. Among them,the total financial assets,educational background,age,risk preference and other factors have a significant impact on the total household financial assets and choice.In addition,the annual household income and surplus also have a significant impact on household savings share.