金融素养对沈抚地区居民借贷行为的影响调查

金融素养对沈抚地区居民借贷行为的影响调查摘要随着经济的快速发展，中国已成为世界第二大经济体。随着家庭收入水平和可支配收入的提高，人们正在寻找管理财富、提高生活质量、实现财富增值和保存的方法。随着金融产品数量的增加，家庭的投资意识也越来越强。家庭已逐渐从传统的储蓄投资转向投资股票、基金、期货、债券等其他金融产品。这为家庭提供了更多的投资机会。与此同时，金融产品越来越复杂，复杂产品的多样性使家庭难以做出选择，对金融产品的评估和分析提出了更高的要求。随着金融市场的发展，金融产品变得日益多样化和复杂，家庭必须拥有更大的能力和复杂性，参与金融市场决策以优化家庭效率。家庭信用行为是家庭财务行为的一个方面，根据跨期选择理论，家庭可以通过借贷行为平滑不同时期的消费，从而实现家庭效用最优化。金融素养作为一种重要的人力资本，越来越受到专家学者的重视，根据对信息不对称的估计和限制的决定理论，不同的金融素养影响家庭信用行为。家庭贷款行为是家庭财务行为的一种，与家庭的生产，消费密切相关，消费影响家庭的效用水平。家庭贷款行为可以分为3个层次，分别是借贷约束、借贷方式以及借贷用途，分别通过实证考察金融素养对借贷约束、借贷方式以及借贷用途的影响方向及程度，并进一步了解金融素养的分布状况以及金融素养对借贷行为的具体影响，这有助于对不同特征的家庭提供差异化的建议，因此金融素养对家庭借贷行为具有重要的意义。关键词：借贷行为：金融素养：居民家庭AbstractWith its rapid economic development,China has become the world's second largesteconomy.As household income levels and disposable income rise,people are looking forways to manage their wealth,improve their quality of life,realize wealth growth and preserveit.As the number of financial products increases,households are becoming more and moreinvestment conscious.Households have gradually shifted from traditional savings to otherfinancial products such as stocks,funds,futures and bonds.This provides more investmentopportunities for households.At the same time,financial products are becoming more andmore complex,and the diversity of complex products makes it difficult for families to make achoice,which puts forward higher requirements for the evaluation and analysis of financialproducts.As financial markets evolve and financial products become increasingly diverse andcomplex,households must possess greater capacity and sophistication to participate infinancial market decisions to optimize household efficiency.Household credit behavior is oneaspect of household financial behavior.According to intertemporal choice theory,householdscan smooth consumption in different periods through borrowing behavior,so as to realize theoptimization of household utility.As an important human capital,financial literacy has beenpaid more and more attention by experts and scholars.According to the decision theory of estimation and limitation of information asymmetry,different financial literacy affects household credit behavior.Family loan behavior is a kind offamily financial behavior,which is closely related to the production and consumption of thefamily,and consumption affects the utility level of the family.Home loan behavior can bedivided into three levels,respectively is borrowing constraints,borrowing and lendingpurposes,respectively,through the empirical investigation of financial literacy on borrowingconstraints,This helps to provide differentiated advice to families with different characteristics,so financial literacy is of great significance to family borrowing behavior.Keywords:Lending Behavior;Financial Literacy;Households目录摘要Abstract….绪论1金融素养对借贷行为影响的概述21.1金融素养的内涵….21.2金融素养对借贷行为的影响渠道.21.3研究金融素养对沈抚地区居民借贷行为影响的意义.32金融素养对借贷行为影响的问卷调查.52.1调查问卷设计.52.1.1调查对象.52.1.2调查内容.52.1.3调查方式.52.2调查问卷实施52.3调查样本描述性统计分析.63金融素养对沈抚地区居民借贷行为影响的调查分析.113.1外部因素分析113.1.1金融素养对沈抚地区居民借