ETDs

This collection includes most of the ASU Theses and Dissertations from 2011 to present. ASU Theses and Dissertations are available in downloadable PDF format; however, a small percentage of items are under embargo. Information about the dissertations/theses includes degree information, committee members, an abstract, supporting data or media.

In addition to the electronic theses found in the ASU Digital Repository, ASU Theses and Dissertations can be found in the ASU Library Catalog.

Dissertations and Theses granted by Arizona State University are archived and made available through a joint effort of the ASU Graduate College and the ASU Libraries. For more information or questions about this collection contact or visit the Digital Repository ETD Library Guide or contact the ASU Graduate College at gradformat@asu.edu.

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公共资源财政支出对私人银行客户数量增长和资产配置的影响——来自M银行的证据

Description中国改革开放以来经济高速发展，一部分人群快速积累了大量财富，迫切需要专业机构对其财富进行有效管理，激发了中国私人银行市场的蓬勃发展。本文利用M银行全部私人银行网点的客户资产配置数据，以省级行政单位为划分，从核心公共资源供给角度出发，探究地区公共资源财政支出对私人银行客户数量增长和资产配置的影响。本文通过实证研究发现：（1）在人均公共安全财政支出较高、人均公共教育财政支出较低的地区，即公共安全资源相对匮乏、公共教育资源相对丰富的地区，私人银行客户规模增速较快；（2）在人均公共安全财政支出较高，即公共安全资源相对匮乏的地区，高净值人群会积极配置流动性良好的银行存款类产品和保险类产品，同时会减少配置高风险、高收益的理财类产品和基金类产品；（3）在人均公共医疗卫生财政支出较高，即公共医疗资源相对匮乏的地区，高净值人群会积极配置银行存款类产品，同时减少保险类产品和理财类产品的配置比例；（4）在人均公共教育财政支出较高，即公共教育资源相对匮乏的地区，高净值人群会积极配置银行保险类产品和理财类产品，同时减少存款类产品的配置比例。
ContributorsMa, Ying (Author) / Shen, Wei (Thesis advisor) / Wu, Fei (Thesis advisor) / Wang, Tan (Committee member) / Arizona State University (Publisher)
Created2021