沈阳市城镇居民家庭理财产品配置调查分析

沈阳市城镇居民家庭理财产品配置调查分析摘要随着经济的增长，我国城镇居民收入不断增加。金融产品在家庭资产中的比重不断上升，金融产品在居民中的配置行为也日益成熟。作为最具有生命力的一种金融产品，它在改善一个家庭的整体收入和社会福利方面发挥着举足轻重的作用。因此，对我国城市居民家庭财务资产的分配行为特点和差别进行深入的探讨，对我国城市居民的金融资产分配具有很大的参考价值。本文的结论对改进我国居民家庭财产中的理财产品具有一定的参考价值。同时，提高居民的财产收入、缩小城乡居民的收入差距也是十分必要的。本文设计了针对沈阳市城镇居民家庭理财资产的问卷，通过理论与统计分析方法，对沈阳市城镇居民家庭理财产品的配置及影响因素进行研究。首先针对家庭理财资产配置的理论回顾，阐述国内、国外关于这方面的现状及研究成果。通过问卷调查，数据回收与整理，发现沈阳市城镇居民在家庭理财的金融素养、风险认知、金融理财产品构成、理财渠道及金融环境等方面存在的问题。最后，本文提出了具有针对性的对策和建议，具体从提升居民理财金融素养、提高风险防范意识、加强产品创新、拓宽获取渠道、优化金融环境等方面对沈阳市城镇居民的家庭理财产品配置进行了策略分析。希望可以优化沈阳市城镇居民坚挺理财的配置情况。关键词：城镇居民；家庭理财：调查问卷AbstractWith the growth of economy,the income of urban residents in China is increasingcontinuously.The proportion of financial products in household assets is increasing,and theallocation of financial products in residents is becoming increasingly mature.As one of themost vital financial products,it plays a pivotal role in improving the overall income and socialwelfare of a family.Therefore,the characteristics and differences of the distribution offinancial assets of urban residents are deeply discussed.The conclusion of this paper has acertain reference value for improving the financial products in the family property of Chineseresidents.At the same time,it is also very necessary to improve residents'property income andnarrow the income gap between urban and rural residents.This paper designs the questionnaire for the financial assets of urban residents inShenyang,and studies the allocation and influencing factors of urban residents in Shenyangthrough theoretical and statistical analysis methods.First of all,for the theoretical review offamily financial asset allocation,elaborate the current situation and research results on thisaspect at home and abroad.Through the questionnaire survey,data recovery and sorting,theproblems were found in the financial literacy,risk cognition,financial product composition,financial channels and financial environment of urban residents in Shenyang.Finally,thispaper puts forward targeted countermeasures and suggestions,which analyzes the allocationof Shenyang urban residents from the aspects of improving financial literacy,improving riskprevention awareness,strengthening product innovation,broadening access channels andoptimizing financial environment.Hope to optimize the allocation of Shenyang urbanresidents strong financial management.Keywords:Urban Residents;Family Financial Management;Survey Questionnaire0目录摘要.…Abstract.绪论…1家庭金融理财配置的相关概念31.1家庭理财.…。.31.2家庭金融理财产品31.3家庭理财相关理论31.3.1马科维茨资产组合理论.31.3.2背景风险理论.42沈阳市城镇居民家庭理财产品配置调查分析..52.1问卷调查设计…2.1.1问卷设计….52.1.2问卷调查情况..52.1.3调查样本描述性统计分析.S2.2问卷调查结果分析.62.2.1家庭理财金融素养.62.2.2家庭投资理财风险.72.2.3家庭理财产品的选择..82.2.4理财信息的获取渠道3沈阳市城镇居民理财产品配置的影响因素113.1金融素养.113.2风险认知.123.3理财产品。133.4获取渠道143.5金融环境..154优化沈阳城镇居民家庭理财资产配置建议64.1提高居民的金融素养164.1.1树立正确的财务管理观念…164.1.2培养孩子的财务意识.…164.2提高风险防范意识174.2.1引导居民学会合理理财投资.174.2.2正确选择互联网理财平台174.3加强产品创新...184.3.1理财产品的技术创新184.3.2理财观念的创新…。184.4优化金融环境…19结论20致谢.21参考文献….22附录.23