| In recent years, China's economy has made considerable progress, life is constantly moving residents to a comfortable level, the degree of family involvement in the financial markets is increasing. National attention to people's livelihood and residents of the increasing demand for property income families family Finance into a financial field of financial economics and an important research topic. Study on Family Financial not only help guide the transformation of urban households in Lhasa investment concepts to achieve a reasonable distribution of family assets, but also make financial institutions develop to meet the needs of the family financial instruments and provide a reasonable proposal for the government to adapt to the needs of the family for providing reasonable macroeconomic policies. In order to keep up with the pace of Chinese family financial research, this paper made a systematic study of household financial behavior about Lhasa urban households with theoretical analysis, statistical analysis, empirical analysis. Intended to find status and characteristics of urban residents in Lhasa family finance, and pointed out the problems, which made more specific recommendations to guide the majority of urban households to carry out scientific financial activities.First, on the basis of theoretical analysis, the reference scale and maturity required questionnaire combined purpose of this study design is completed, divided assets and liabilities, income and expenses, insurance and financial investment collection Lhasa urban households finance four micro data. Secondly, in the statistical analysis section, mainly research characteristics of the structure and arrangement combination of urban residents in Lhasa family finance. The results showed that urban households in Lhasa, different ages, different occupations, the presence of different levels of wealth, assets, liabilities and insurance coverage to a certain difference, real estate investments "crowding out" of family configuration on financial assets, Lhasa urban households existence of a lower level of wealth accumulation, high savings rate, the proportion of investment assets and low risk financial problems. Again, the empirical study, the first use of factor analysis to extract the family structure, family economic characteristics, behavior characteristics of three common factors, and then create Logistic regression models were further studied three common factors for bonds and bank financing, funds, effect of stock investment. The results show that family structure characteristics of bonds and bank financing, funds, equities have a significant impact on household economic characteristics significantly affect the results section, behavior characteristics influence the effect was not significant, which probably due to urban residents in Lhasa are short of financial sense to invest, they can not grasp financial market information quikly, even if there is a higher level of wealth are rarely involved in formal financial markets. Finally, based on statistical analysis of the foregoing and empirical analysis, from the government, financial institutions and other point of view put forward corresponding countermeasures and suggestions. Such as enhancing residents' financial awareness, and vigorously played the role of financial investment adviser; Focus on adapting wage growth mechanism, adjust the income distribution from the structure, and gradually improve employment security mechanisms residents; Constantly improve the labor market, and gradually improve their professional skills and human capital of workers, in order to enhance their competitiveness in the job market, a sound social insurance system;Set up a multi-level housing supply system, and satisfy the needs of residential and investment and other urban residents. |
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