摘要
为对金融产品研发与金融市场发展作出准确趋势判断,通过社会公众对金融知识与金融产品的认知度、社会公众的消费习惯和社会公众的银行偏好三个方面的调研,发现存在社会公众对金融知识及产品缺乏认知,消费观念保守等问题。针对此,文章提出金融机构需进行金融知识深度宣传、设立银行-公众便利互动渠道、开发个性化金融产品和激励"先消费,后付款"消费模式等应对策略。
In order to accurately judge the direction of financial product R ＆ D and the development of finan cial markets, and by way of a combination of survey and dialogue interviews to investigate public for awareness of financial knowledge and financial products, the spending habits of the public and the public on the preference of bank, based on our survey data analysis and the evaluation of the results, it indicates that the public is lack of the awareness of financial knowledge and product, consumptive concept is conservative and so on. This report advances that the financial institutions need in -deeply propagate financial knowledge, establish convenience interactive channels of the bank and the public, and exploit personalized products and incentive ＂first consumer, pay later＂ consumption patterns.
出处
《金融教育研究》
2013年第4期14-19,共6页
Research of Finance and Education
基金
中国金融教育发展基金会赞助的2012年"中国工商银行杯"暑期大学生社会实践调研报告征文的基础上撰写而成。该调研小组成员由余志辉(组长)
孙丽华
杨雪
余倩
柳学良组成
指导老师为李世财
原调研报告荣获三等奖
关键词
金融认知
消费习惯
偏好
银行业
financial knowledge
financial products
spending habits
public preferences
banking
