基于DEMATEL-ISM的家庭理财产品选择影响因素分析

Influencing Factors of Family Financial Product Selection Based on DEMATEL-ISM

摘要: 随着经济不断发展，中国的家庭可支配收入提升，越来越多的家庭开始重视配置理财产品。为了探究以家庭为单位的理财产品选择的影响因素，本文首先梳理文献，找出13个影响家庭理财产品选择的因素。其次基于DEMATEL-ISM方法，分析因素间的相互作用，建立家庭理财产品选择的影响因素的多级递阶结构，并判定影响家庭理财产品选择的重要因素，为家庭进行理财产品选择提供了决策支持。

Abstract: With the continuous development of the economy, the disposable income of households in China has increased. More and more families have begun to pay attention to the allocation of wealth management products. In order to explore the influencing factors of the choice of family wealth management products, this paper first combs the literature and finds out 13 factors that affect the choice of family wealth management products. Secondly, based on the DEMATEL-ISM method, the interaction between factors is analyzed. Besides, the multilevel hierarchical structure of factors affecting the choice of family wealth management products is established. Finally, the important factors affecting the choice of family wealth management products are determined, which provides decision-making support for families to choose wealth management products.