Research On The Behavior And Influencing Factors Of Family Network Financing

With the continuous growth of family income,the awareness of the residents' financial management is also gradually increasing.Compared with the single investment of previous savings,there are various types of financial management options available at present.However,the difference in the different behavior of family network financing is a problem worthy of in-depth analysis.On the one hand,we can help the family asset allocation to follow the development of the times and integrate into the Internet financial management market.On the other hand,it can contribute to the diversification of the Internet finance.This paper focuses on the differences in family financial behavior,and the main reasons leading to different families' behavior differences.This paper discusses the differences in different family network financing and the main reasons for this difference and collected the network financial data of some families in Fuzhou,Xiamen and Quanzhou by questionnaire survey,and described the family in detail.What is the behavioral preference of Internet Finance? In content,this paper first reviews the theoretical basis of Internet financial behavior,and introduces asset selection and domestic and foreign literature on Internet Finance in detail.Then,based on asset selection theory,portfolio theory and expected utility theory,we set up an analytical framework for family network financing behavior preference.The influence of family income,economic expectation,information technology,personal character of household on family network financial behavior is analyzed,and the research hypothesis of this paper is put forward.Further construction of the Probit model affecting the family participation network and the Tobit model validation research hypothesis that affect the proportion of family network financial allocation,and give the following policy suggestions: first,to increase the income of the residents steadily and reduce the gap between the rich and the poor.The two is to improve the level of education and to popularize financial knowledge.The three is to clarify the regulatory system,restrain the bad capital,and provide system guarantee for family participation in Internet financial management.Four is to improve the Internet financial market construction and improve the development level of Internet finance.