| In recent years, the scale of urban residents’ financing is growing faster and faster in our country, and payment dispute between financial management and financial institutions happens more and more frequently. Do the urban residents have the opinion of rigid payment of financial product exist? If so, what’s the reason on earth? The research of the above problems is of great of practical and theoretical significance to the development of China’s urban residents’ financing. First, we can get to know whether there is a rigid payment of financial product and the extent to which it exists; Secondly, by analyzing the cause of the rigid payment of financial institutions, it can provide feasible suggestions for urban residents in our country to have a scientific understanding of financial planning and optimize the financial structure.In this paper, the theoretical analysis, questionnaire investigation and analysis, quantitative analysis and other research methods are used comprehensively, which help explore the causes of urban residents’ rigid payment in the financial services. Main contents and conclusions are as follows: the first part: on the basis of existing research, through the questionnaire survey of urban residents’ financing choice behavior, we can make sure that the phenomenon of rigid payment exists in the urban residents’ financing, because the managements neglect the "risk" of financial products seriously and pay too much attention to "benefit", and they lack the understanding of the equivalence between benefit and risk.The second part: we make an empirical analysis of the reason of rigid payment of financial institutions. Questionnaire analysis results show that the factors influencing financial managements’ rigid payment come from the financial markets, financial institutions, national policy, law and morality, and financial managements, etc. Moreover, the factor of financial markets and financial institutions have significant positive effects on residents’ rigid payment; the factor of national policy and redemption are not significant positively correlated; the factor of law and morality, and financial managements have non-significant negative impact on the rigid payment. All the analysis of cases illustrate the results greatly;The third part, based on all the above research conclusions, the comprehensive countermeasures are put forward to establish the risk prevention mechanism of rigid payment of our country’s financial institutions from the viewpoint of financial institutions, financial management, regulatory departments.The research results show that the phenomenon of urban residents’ rigid payment exists, which is primarily resulted from the lack of awareness of benefit and risk of financial products. Meanwhile, some staffs in the financial institutions conceal the risk of financial products and lack propaganda on purpose. In addition, we can’t ignore the fact that some regulators have biased interpretations of laws and regulations. |
