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政大機構典藏 > 社會科學學院 > 財政學系 > 期刊論文 > Item 140.119/75592

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Title:	Determinants of Household’s Willingness to Take Financial Risk: The Effect of Expectation
Authors:	黃智聰 Huang, Jr-Tsung;Xu, Xin;Chiang, Tsun-Feng
Contributors:	財政系
Date:	2015-04
Issue Date:	2015-06-05 15:00:55 (UTC+8)
Abstract:	The purpose of this study is to examine determinants of household’s willingness to take financial risks, particularly the effect of households’ expectation. The data this study used are the Survey of Consumer Finances 2007 by which researchers can examine the household financial issues before the financial crisis. By employing multinomial logit regression, the new finding of this study is that when the households expect the future economy will be better, they are not willing to take either no or substantial financial risk. This study uses the uncertainty theory with the timing of the survey to interpret this seemingly unintuitive result. Other findings are that age, more working people in a household, male, education and majority race are household characteristics positively affecting the probability of household’s willingness to take average and above-average financial risks.
Relation:	Journal of Financial Counseling and Planning (Econlit)
Data Type:	article
Appears in Collections:	[財政學系] 期刊論文

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