بررسی تأثیر جزم نگری مالی، اضطراب مالی و دانش مالی بر نگرش ریسک مالی و تأثیر آن بر رفتار مخرب مالی (مقاله علمی وزارت علوم)
درجه علمی: نشریه علمی (وزارت علوم)
آرشیو
چکیده
هدف: بررسی جزم نگری مالی، اضطراب مالی و دانش مالی بر نگرش ریسک مالی و تأثیر آن بر رفتار مخرب مالی. روش: ۴۵۰ پرسشنامه بین سرمایه گذاران در بورس اوراق بهادار تهران توزیع گردید. از میان ۴۳۰ مورد جمع آوری شده، ۳۹۸ از آنها پذیرفته و از روش معادلات ساختاری (SEM) و نرم افزار آماری آموس نسخه 26 برای تحلیل داده ها استفاده شد. همچنین برای برآورد مقدار پارامترهای ناشناخته از روش تخمین حداکثر درست نمایی (MLE) استفاده شد. یافته ها: نتایج حاکی از آن است که جزم نگری مالی بر نگرش ریسک مالی تأثیر منفی و معناداری دارد. همچنین اضطراب مالی و دانش مالی تواماً، بر نگرش ریسک مالی تأثیر مثبت و معناداری دارند. علاوه بر آن نگرش ریسک مالی بر رفتار مخرب مالی تأثیر مثبت و معناداری دارد. نتیجه گیری: با توجه به تأثیر جزم نگری مالی، دانش مالی و اضطراب مالی بر نگرش ریسک مالی و نگرش ریسک مالی بر رفتار مخرب مالی، شایسته است مدیران بازار سرمایه، روان درمانان مالی ومحققان علوم مالی بیش از پیش نسبت به بهبود سلامت روان مالی جامعه به وسیله کاهش اضطراب مالی، توسعه دانش مالی اشخاص با هدف بهبود جامعه پذیری مالی وکاهش جزم نگری مالی از طرق مقتضی ساعی باشند، چرا که در صورت بروز گسترده تر رفتارهای مخرب مالی، به صورت ساختارمند شاهد تهدید سلامت و امنیت روانی مالی جامعه و کاهش شدید سطح رضایتمندی سرمایه گذاران فراهم خواهیم بود.Investigating the Impact of Financial Dogmatism, Financial Anxiety and Financial Knowledge on Financial Risk Attitude and Its Impact on Financial Behavior Disorders
Objective This research deals with the empirical investigation of financial dogmatism, financial anxiety and financial knowledge on financial risk attitude and its effect on financial behavior disorders.Method: In this regard, 450 questionnaires were distributed among the investors of Tehran Stock Exchange. Among the 430 collected cases, 398 cases were accepted with minimal errors due to compliance with existing standards in the field of designing, editing, distribution and finally collecting them with the aim of analyzing them by the available software in this field. Also, in order to analyze the collected data and information, structural equation method (SEM) and Amos statistical software version 26 were used. It is worth mentioning that in the final stage, with the aim of achieving more accurate and reliable results for the best conclusion, the maximum likelihood estimation (MLE) method has been used to estimate the value of the unknown parameters.Results: The results indicate that the financial conservatism variable has a negative and significant effect on the financial risk attitude. Also, the important variables of financial anxiety and financial knowledge together have a positive and significant effect on the variable of financial risk attitude, and finally, the variable of financial risk attitude has a positive and significant effect on destructive financial behavior, which seems meaningful and important from this point of view. Achieving the above results will be very important and effective in improving financial knowledge and variables related to it.Conclusion: Considering the effect of the variables of financial dogma, financial knowledge and financial anxiety on the variables of financial risk attitude and financial risk attitude on the variable of destructive financial behavior, it is very appropriate and even necessary that capital market managers, financial psychotherapists, financial science researchers and psychiatrists with Try to reduce financial anxiety, increase the development of people's financial knowledge with the aim of promoting financial socialization and reducing financial prejudices with appropriate methods and using scientific methods, in order to improve the mental and financial health of society members and investors. Because in the event of a widespread occurrence of destructive financial behavior by investors and failure to think of a solution by the aforementioned officials and natural and legal persons, we will quickly and in a structured manner not only witness the occurrence of destructive financial behavior, but also countless threats to the financial health of the society and decrease We will closely monitor the level of investor satisfaction. In this valley, less investment makes one feel psychologically and financially safe, and as a result, the capital market and other financial markets become empty of investors and real capital, which has dire consequences and effects on all aspects of the economic structure of the country, on all the wealthy and It is evident.and reducing financial dogma in appropriate ways and using scientific methods Because in the event of widespread and widespread occurrence of destructive financial behavior by investors, it will quickly and in a structured way witness not only destructive financial behavior, but also threats to the financial health of the society and a sharp decrease in the level of satisfaction of investors. In this valley, less investment gives a sense of psychological and financial security, and as a result, the capital market and other financial markets will be devoid of real investors and capital.
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