基于Logit模型下的黑龙江省家庭金融资产选择行为的影响因素研究

Study on the Influencing Factors of Financial Asset Selection Behavior in Heilongjiang Province Based on Logit Model

本文从微观的角度,通过对黑龙江省哈尔滨市、牡丹江市、大庆市、齐齐哈尔市、绥化市等地区的城乡居民家庭进行实地调研,分别从家庭决策者性别、年龄、婚姻状况等家庭结构、家庭收入、家庭投资决策者风险厌恶程度等方面对黑龙江省家庭金融资产选择行为进行理论分析。在理论分析的基础上,利用调研数据,再借助Logit模型对其进行实证分析,以验证影响家庭金融资产选择行为的主要因素,并提出了相关的对策建议,以促进黑龙江省的经济健康发展。

In this paper,from the angle of the micro by Harbin,Mudanjiang,Daqing Qiqihar and Suihua in Heilongjiang,that is region of conducting field research of urban and rural households,respectively from the aspects of family structure,family income,risk aversion of family investment decision-makers such as gender,age,marital status and so on,this paper makes a theoretical analysis of family financial asset selection behavior in Heilongjiang Province.On the basis of theoretical analysis,using the research data to use the Logit model to conduct empirical analysis,to determine the main factors that affect the choice of the family financial assets in Heilongjiang province,and then to find out the relevant countermeasures to promote the economic health of the Heilongjiang province.