تأثیر عوامل فردی و خانوادگی بر سواد مالی سرمایه گذاران در بورس اوراق بهادار تهران

نوع مقاله : مقاله پژوهشی

نویسنده

گرو ه مدیریت و حسابداری، واحد گنبد کاووس، دانشگا ه آزاد اسلامی، گنبد کاووس، ایران.

چکیده

هدف اصلی این تحقیق معرفی معیارهایی برای سنجش میزان سواد مالی سرمایه گذاران و سپس بررسی تأثیر عوامل فردی و خانوادگی بر سواد مالی سرمایه گذاران بورس تهران می باشد. تحقیق حاضر برای یک دوره 2 ساله از سال 1394 تا 1395 و در قلمرو مکانی بورس اوراق بهادار تهران و کارگزاران و شرکت های سرمایه گذاری فعال در این بازار انجام شده است. پس از گردآوری اطلاعات از طریق توزیع پرسشنامه های استاندارد بین المللی(پس از بومی سازی با شرایط داخل کشور) دربین سرمایه گذاران بورس اوراق بهادار تهران و جمع اوری پاسخ های آن و محاسبه متغیرهای تحقیق با استفاده از روش آماری رگرسیون چندگانه به تجزیه و تحلیل داده ها به کمک نرم افزار spss، مدل آماری مناسب ارائه شده است. در معدود تحقیقات انجام شده در داخل کشور سعی شده است فقط مدلی جهت سنجش میزان سواد مالی در بین دانشجویان ایرانی ارائه گردد در این تحقیق سعی خواهد شد که علاوه بر ارائه مدلی مناسب و بومی جهت سنجش میزان سواد مالی در بین سرمایه گذاران بورس اوراق بهادار تهران، رابطه بین عوامل فردی و خانوادگی سرمایه گذاران و میزان سواد مالی نیز بررسی شود. نتایج حاصل از تجزیه و تحلیل داده ها حاکی از این امر بود که سطح سواد مالی مردان بیشتر از سطح سواد مالی زنان می‌باشد. گروه سنی 39 الی 46 سال بیشترین میانگین رتبه و گروه سنی 25 الی 32 سال، کمترین سواد مالی را دارند. همچنین سطح سواد مالی افراد متأهل بیشتر از سطح سواد مالی افراد مجرد می‌باشد.

کلیدواژه‌ها

عنوان مقاله [English]

The effect of individual and family factors on the financial literacy of investors in the Tehran Stock Exchange

نویسنده [English]

  • karim ghalmegh
Department of Management and Accounting, Gonbad Kavos Branch, Islamic Azad University, Gonbad Kavos, Iran.
چکیده [English]

The main purpose of this research is to introduce criteria to measure the level of financial literacy of investors and then examine the effect of individual and family factors on the financial literacy of investors in the Tehran Stock Exchange. The present research was conducted for a period of 2 years from 2014 to 2015 and in the territory of Tehran Stock Exchange and brokers and investment companies active in this market. After collecting information through the distribution of international standard questionnaires (after localization with domestic conditions) among the investors of Tehran Stock Exchange and collecting their answers and calculating the research variables using the statistical method of multiple regression to analysis The data is presented with the help of spss software, a suitable statistical model. In the few researches conducted in the country, it has been tried to provide only a model to measure the level of financial literacy among Iranian students. Tehran, the relationship between individual and family factors of investors and the level of financial literacy should also be investigated. The results of data analysis indicated that the level of financial literacy of men is higher than the level of financial literacy of women. The age group of 39 to 46 years has the highest average rating and the age group of 25 to 32 years has the lowest financial literacy. Also, the level of financial literacy of married people is higher than the level of financial literacy of single people.

کلیدواژه‌ها [English]

  • Financial literacy
  • gender
  • age and marital status

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