Studies Concerned With Public Economic Risk Perception And Investment Intention

Risk perception is the advanced topic of contemporary psychology study. It incorporates psychology,management science, economics and related disciplines, and it is an important part of social risk perception.Risk perception main reflects the public’s subjective consciousness, judgment and experience about theobjective risk, which is closely related with people’s daily life. Especially in such big background that ourcountry lies in social and economic transformation period and the domestic environment and people’spsychological feeling are subject to various factors, constructing the cognitive structure of economic riskhas important theoretical and practical value through establishing economic risk events that the public mostconcern.The research follows the psychological measurement research model proposed by Slovic and so on in1978. By adopting literature analysis, the individual interview, and questionnaires, and using exploratoryfactor analysis and the statistics analysis technology of confirmatory factor analysis, this paper discussesthe contemporary economic risk events that the public most concern, the public cognitive structure ofeconomic risk and the public investment intention. Conclusions are drawn as follows:First, this research has established the four categories of economic risk events that the public are nowmost concerned about and most troubled with, namely the daily life, loan investment, social stability andmacro economy. At the same time, the paper selects20specific items of economic risk event that the fourcategories contain. The study lays a foundation for follow-up work of this paper.Second, the paper compiles the contemporary public economic risk cognitive questionnaire, andestablishes the two dimensions about risk spread and function. The compiled questionnaires are used fordifferent groups to test economic risk cognitive status. The results show that: in risk function dimension, different vocational groups appear a significant difference; in risk spread dimension, different incomelevels and different age stages all appear a significant difference.Third, surveys about economic risks perception and investment intention find that the contemporarypublic money management and investment are diversified, and the health investment becomes public’soptimal choice whether in high risk cognitive level group or low risk cognitive level group.