“工薪族”金融投资理财行为差异分析——基于河南省1685份问卷的抽样调查  

A Differential Analysis on the Investment and Financing Activities of Wage-earners——Based on 1685 Questionnaires from Henan Province

作　　者：李鹏[1,2] 

机构地区：[1]南京大学商学院,江苏南京210093 [2]郑州航空工业管理学院,河南郑州450015

出　　处：《当代经济管理》2014年第9期69-73,共5页Contemporary Economic Management

基　　金：国家自然科学基金项目(71210107034);教育部人文社会科学研究青年基金项目(10YJC790141);河南省教育厅科学技术研究重点项目资助计划(13A790398)的阶段性成果

摘　　要："工薪族"已经成为我国商业银行重要的理财细分市场客户群体。为分析我国"工薪族"客户金融投资理财行为和投资理财需求差异,以河南省8个市县地区为样本,采用分层随机抽样法选取近2 000名"工薪族"理财客户进行了问卷调查。调查结果表明:绝大多数"工薪族"属于风险厌恶型投资者,偏好风险较低的金融资产;但是,"工薪族"的负债比例却较高且集中在房屋和汽车等方面;中高收入地区"工薪族"更偏好理财产品,而低收入地区"工薪族"更偏好银行储蓄;低收入地区"工薪族"在投资理财时存在更为明显的从众行为。Wage-earners have become an important target population of private banking business for commercial banks. To analyze their financing and investment behaviors and difference on their financing and investment requirements, the article selected eight different cities and towns as sample areas sending out about two thousand questionnaires to collect data. The result shows that the vast majority of those surveyed are risk averse whose assets are allocated in the financial products which are rlskless. The wage-earners with higher earnings prefer to bank financial products. But those with lower earnings prefer bank deposit and herd behaviors are observed in their financial investment activities. The study is helpful for commercial banks to understand the wage-earner＇s needs of investment and financing, provide more and more customization of products and services and strengthen the competitiveness of private banking business.

关 键 词：工薪族 金融投资理财 行为差异 

分 类 号：F830.49[经济管理—金融学]