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澳洲termpaper范文:中国家庭金融行为研究

时间:2018-06-13 08:44来源:www.ukassignment.org 编辑:cinq 点击:
本文是澳洲留学生termpaper范文,主要内容是针对中国当前经济发展状况下,中国家庭的金融行为进行研究分析。
毫无疑问,中国即将进入个人理财时代。因为中国20多年的快速GDP增长创造了一批“富有和合理”的部门。近年来,中国掀起了前所未有的个人投资和财富管理水平。供热在我国投融资中并非偶然,其形式有着深刻的背景:从宏观经济角度看宏观经济和微观经济,中国国民经济仍保持了几年的稳定增长势头,发展呼唤投资;他制定和实施了一系列改革开放的经济政策,为人民的投资开辟了广阔的空间。在金融市场上,已经开发了更多的个人投资金融工具,以供投资者展示自己的才能。从微观环境看,由于国民经济快速增长20年,国家富民政策、富民富民政策,有条件地考虑了余下的资金投入,研究将集中在中国的家庭理财习惯上。
Abstract 摘要
There is no doubt that China is about to enter the era of personal finance. Because China's rapid GDP growth for more than 20 years has created a group of "rich and reasonable" sectors. In recent years, China has raised an unprecedented level of personal investment and wealth management. The heat generation is not an accident in investment and financing in our country, its form has profound background: macro and micro economy from a macroeconomic point of view, China's national economy still maintained for several years of steady growth momentum, development calls for investment; The formulation and implementation of a series of reform and opening economic policies in the country have opened up a wide space for the investment of the people. In the financial market, more personal investment financial instruments have been developed for investors to show their talents. Look from the microcosmic environment, due to the rapid growth of national economy for 20 years and the country's policy of enriching people, people's rich, pockets, conditional consider how his remaining money to invest.The research would be focus on the household financial habit in China.
Table of contents 
Abstract 2
1.0 Introduction 4
1.1 General economic background of China 4
1.1.1Macroeconomic in China 4
1.1.2 Microeconomic in China 4
1.2 The items of the annual income and expenses 4
1.3 The habit of managing money 4
1.4 The objective of the research 4
2.0 Literature Review 4
2.1 Social learning theory 4
2.1.1 Personal factors, 4
2.1.2 Past behaviors 4
2.1.3 Environmental factors 4
3.0 Methodology 5
3.1 Data and sample 5
3.2 probit and tobit model 5
3.3 Dependent Variable 5
3.4 Independent Variables 5
4.0 Results 5
4.1 Descriptive statistics 5
4.2 regression results 5
5.0 Discussion 6
6.0 Conclusion 6
Reference list 6
Appendix A 6
 
1.0 Introduction 概况
 
1.1 General economic background of China
1.1.1Macroeconomic in China
At present, China's macro economy still faces downward pressure, such as enterprise profit growth, excess capacity remains to be digested, export demand is weak, and the bank's non-performing loan ratio is on the rise, and so on. But overall, positive factors supporting economic growth remain.
In recent years, the employment situation of our country is not optimistic; especially the employment situation of college students is becoming more and more serious. Personnel in our country, the employment absorption is service industry, and services for the last few years to accommodate the employment more and more, service industry as the third industry in our country national economy plays an extremely important role (Tang, 2017). China's services have accelerated development, created many jobs and solved many employment personnel, which also benefited from the steady and rapid development of our economy. There is a big relationship between economic development and employment, economic growth has certain enhancement effect to employment absorption capacity, is expected in 2015 the new employment to more than 10 million people, the overall employment pressure is not big, but the employment situation of college students and migrant workers employment situation is quite serious, countries in the process of economic development in the future should be more attention to the problem of employment of college students, and to solve the problem of employment of college students.
From the perspective of price, the prices of industrial consumer goods in China are basically stable, and the price of international commodities is in a stable operation, and the inflationary pressure is not great. From the perspective of service price, the population structure has changed, and the wage of the laborer has gradually risen, which has caused the price of some living services to rise. From the point of food prices, most of the food production, food prices are relatively stable, but relatively speaking, vegetables, meat prices will rise, it may have a connection with labor wage increases. In addition, from the point of resource products, resource products in constant reform in recent years, the prices of resource products, appear the situation of high prices, the country's energy conservation and emissions reduction, promote energy-saving emission reduction policies have a connection. In addition, throughout the country's real estate industry, housing prices have also changed a certain amount, the housing price has achieved a small increase(KELLYet.,al, 2017),.
Looking at the development trend of macro economy, China's economy still maintains rapid growth, its development potential is still very big. In terms of market demand, the potential of market demand is huge. As the disposable income of our residents increases continuously, the potential demand of the market will gradually change to the realistic demand of payment capacity, which will produce a lasting impetus to economic development. In terms of the contribution of technological progress to economic development, the contribution of technological progress to economic growth will gradually increase. And now pay more and more attention to technology development and support of enterprise technology research and invention and use of energy-saving products, this will optimize the structure of the enterprise, promote the development of economy and the efficiency of enterprises improved. In terms of labor force, China's labor resources are abundant and the quality is constantly improving. With the development of China's industrialization and urbanization, the labor force will continue to transfer to the second and third industries, and the quality of the labor force is constantly improving. From the point of economic system reform, after several years of reform, the socialist market economy system preliminarily established, needs unceasingly to reform the economic structure, coordinating the relationship between the public sector of the economy and the non-public sector of the economy, so as to further promote the reform of economic system in our country, make its release the vitality of the new development. Besides, in the aspect of economic development, China should also set up two domestic and foreign markets, two resources; effectively promote the rapid development and smooth operation of the national economy. Run in 2016, China's international balance of payments will still face many uncertain and unstable factors, is likely to continue to render the current-account balance is balanced basically, cross-border capital flows two-way volatility "of the landscape(TokarAsaad, 2015). From a more certain point of view, one is that our country's regular projects, especially the trade in goods, will continue to run a surplus. Secondly, the service trade deficit is still large, important projects continue to be a balance of China's current account balance of payments, this is mainly due to the domestic residents travel abroad, study abroad, such as consumer enthusiasm remains high, consumption concept also gradually shift. Third, the renminbi will continue to maintain a positive spread against major international currencies such as the dollar, euro and yen. Four is China's economic growth will remain at high levels in the world's major economies, a series of structural adjustment and reform measures are introduced and implemented, would boost market confidence, stable economic growth, long-term capital inflows.


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