金融诈骗对家庭金融资产配置的影响

The Impact of Financial Fraud on Household Financial Assets Allocation

用家庭持有的股票、基金以及金融理财产品等风险资产情况来说明家庭金融资产配置的情况,并用logit模型分析金融诈骗对家庭持有股票、基金以及金融理财产品的影响,研究发现:金融诈骗对家庭持有股票、基金以及金融理财产品都具有显著的正向影响;用tobit模型分析金融诈骗对家庭持有风险资产占总资产的比重的影响,结果显示:金融诈骗对家庭持有风险资产的比重也具有显著的正向影响。

This paper analyzes the impact of financial fraud on household financial asset allocation based on data from the 2015 China Household Finance Survey(CHFS)conducted by swufe.This paper also study the impact of financial fraud on household stocks,funds and financial products through logit model,which found that the financial fraud has significant positive influence.Moreover,Tobit model was used to analyze the influence of financial fraud on the proportion of family risk assets in total assets.The results showed that financial fraud had a significant positive influence.