Study On Domestic Urban Residents’ Choice Of Financial Investment Products Based On Multidimensional Preference Analysis

With the economic and social development of our country, Chinese residents and families have a rapid growth of wealth but also need to face the various uncertain factors in market. Therefore, how to manage our assets, how to carry out financial investment planning, how to disperse risk and how to improve the family wealth is a problem that every resident and family should pay attention to. In addition, there is a noteworthy phenomenon that the majority of the residents and family think they belong to the risk return balance type, and only a few residents and family think they belong to the risk preference type and guaranteed type. But contrary to this situation, there is only a few family take the moderate risk financial investment products as a major investment target, and a lot of family take the high risk or low risk products as a major investment target. Thus, the problem is that there is a mismatch between risk preference and financial investment planning in a large proportion residents and families. Therefore, this paper makes research on the involved issues above, to help the urban residents and family to make reasonable financial investment planning.The next three chaptersare the main parts. The third chapter is to study the factors which affect the urban residents’ financial investment choice in china. The factors summarized mainly include family factors, product factors financial investment objective and so on with the research of experts and the conclusion of this paper. The fourth chapter is to study urban residents and family’s preference for financial investment products. We can get three conclusions through sending questionnaires, analyzing the data by using multidimensional preference analysis, cluster analysis and other methods:(1) When different types of urban residents and family make financial investment decision, what factors will affect the outcome of their decision.(2) Which financial investment products are different types of urban residents and family more inclined to.(3) What problems did urban residents and family have in the process of product selection and decision-making, and the mainly problem is that there is a mismatch between risk preference and financial investment planning in a large proportion residents and families. The fifth chapter is to provide suggestions about financial investment products for city residents and family. Based on the result above and combined with urban residents and family’s preference and problems on financial investment products, provide suggestions to them about how to choose investment products and how to make investment portfolioreasonably,scientifically and effectively.