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本文采用调查问卷方式,对上海地区60周岁及以上老龄人口的投资行为进行了调查分析。调查结果显示:上海地区的老龄投资者大多处于60~70岁间;女性投资者高于男性;大多数婚姻稳定,受教育程度主要集中于中等教育,高等教育占比较少;大多数家庭成员都是两个人;大多是风险偏好厌恶型人士;投资意愿较为强烈;投资目的以合理安排资金、资产升值为主;投资产品主要是银行储蓄、股票、基金和保险、国债等,此外也有部分老龄投资者选择信托产品和实业投资、人民币理财产品和外汇理财产品;投资行为具有一定的非理性,认为当前宏观政策会影响其投资行为。基于调查结果,文章揭示了其对商业银行的若干启示。
In this paper, a questionnaire survey was conducted to investigate the investment behavior of the elderly population aged 60 and above in Shanghai. The survey results show that most of the elderly investors in Shanghai are between the ages of 60 and 70; that of female investors is higher than that of men; that most of the marriages are stable, that education is mainly concentrated in secondary education and that higher education accounts for a small proportion; that most family members Are two people; mostly risk averse people; willingness to invest is relatively strong; investment objective is to arrange funds and assets appreciation rationally; investment products are mainly bank savings, stocks, funds, insurance, government bonds, etc. In addition, there are also some old-age investments Choose trust products and industrial investment, RMB wealth management products and foreign exchange wealth management products. The investment behavior has some irrationality, and believes that the current macroeconomic policies will affect its investment behavior. Based on the survey results, the article reveals some of its implications for commercial banks.