长春市九台区城镇居民个人理财产品购买意愿影响因素分析

长春市九台区城镇居民个人理财产品购买意愿影响因素分析摘要宏观经济的发展推动了城镇居民人均可支配收入的增长，这为理财市场注入了源源不断的活力。随着生活水平的提高，人们逐步走向小康生活，城镇居民的个人理财意愿愈发强烈。同时，各金融机构推出的个人理财产品也促使了城镇居民购买个人理财产品的意愿发生了改变，更多的城镇居民选择了个人理财产品，但对个人理财产品购买意愿存在差异，个人理财市场依然存在很多问题。通过对吉林省长春市九台区城镇居民个人理财产品购买意愿进行调查，首先本文分析长春市九台区城镇居民个人理财产品购买意愿的基本情况，发现该地区城镇居民对于个人理财产品的购买意识薄弱、购买渠道贫乏、了解浅薄、可供选择的种类较少。其次本文从有关理论研究角度和实证研究角度出发，并根据调查结果得出结论：个人因素、政策因素、产品特征因素和环境因素会对长春市九台区城镇居民的个人理财产品购买意愿产生程度各异、方向不同的影响。最后本文从提高城镇居民个人理财产品购买意识、优化城镇居民个人理财产品信息获取渠道、提升城镇居民个人理财教育、加强城镇居民个人理财产品创新这四个角度出发，对完善长春市九台区城镇居民个人理财产品购买意愿提出对策建议，希望可以为吉林省长春市九台区个人理财市场的未来发展献计献策。关键词：城镇居民：个人理财；理财产品AbstractThe development of macro economy has promoted the growth of per capita disposableincome of urban residents,which has injected a steady stream of vitality into the financialmarket.With the improvement of living standards,people are gradually moving towards awell-off life,and the personal financial willingness of urban residents is becoming strongerand stronger.At the same time,the personal financial products launched by financialinstitutions have also changed the willingness of urban residents to buy personal financialproducts.More urban residents choose personal financial products,but there are differences inthe willingness to buy personal financial products,and there are still many problems in thepersonal financial market.Through the investigation of the purchase intention of personal financial products ofurban residents in Jiutai District,Changchun City,Jilin Province,firstly,this paper analyzesthe basic situation of the purchase intention of personal financial products of urban residentsin Jiutai District,Changchun City,and finds that the urban residents in this area have weakpurchase consciousness,poor purchase channels,shallow understanding and few kinds ofpersonal financial products to choose from.Secondly,from the perspective of relevanttheoretical research and empirical research,and according to the survey results,this paperconcludes that personal factors,policy factors,product characteristics and environmentalfactors will have different degrees and directions on the purchase intention of personalfinancial products of urban residents in Jiutai District,Changchun City.Finally,this paperputs forward countermeasures and suggestions to improve the purchase intention of urbanresidents'personal financial products in Jiutai District of Changchun from the fourperspectives of improving the purchase awareness of urban residents'personal financialproducts,optimizing the information acquisition channels of urban residents'personalfinancial products,improving the personal financial education of urban residents andstrengthening the innovation of urban residents'personal financial products,I hope I can offersuggestions for the future development of personal finance market in Jiutai District,Changchun City,Jilin Province.Keywords:Urban Residents;Personal Financial Management;Financial Products目录摘要…Abstract.绪论1城镇居民个人理财产品相关概述31.1个人理财产品的定义31.2个人理财产品的特点和种类31.3城镇居民购买个人理财产品的目的.41.4城镇居民购买个人理财产品的意义.42长春市九台区城镇