تجزیه و تحلیل تاثیر عزت نفس و دانش مالی بر رفتار مالی (مورد مطالعه: سرمایه گذاران حقیقی کارگزاری بانک اقتصاد نوین)

نوع مقاله : مقاله پژوهشی

نویسندگان

1 استادیار و عضو هئیت علمی دانشکده مدیریت و حسابداری پردیس فارابی دانشگاه تهران، (نویسنده مسئول)

2 کارشناسی ارشد مدیریت بازرگانی گرایش مالی پردیس فارابی دانشگاه تهران

3 دانشجوی دکتری و عضو هئیت علمی دانشگاه آزاد اسلامی واحد فریدن،

چکیده

رفتار موفقیت­آمیز و معقول مالی و کسب بازدهی در بازار سرمایه مستلزم دارا­بودن عزت نفس و دانش مالی در تصمیمات مالی است. این پژوهش به بررسی تأثیر عزت­ نفس و دانش مالی بر رفتار مالی در نمونه­ای 251 نفری از سرمایه­گذاران حقیقی دارای کد آنلاین معاملاتی کارگزاری اقتصاد­نوین که هفته­ای حداقل دوبار در بورس اوراق بهادار تهران معامله می­کنند، صورت پذیرفته است. روش پژوهش توصیفی از نوع همبستگی است و برای جمع­آوری داده­ها از پرسشنامه استفاده شده است .تجزیه وتحلیل داده­ها با روش مدل­سازی معادلات ساختاری در نرم افزار لیزرل انجام گرفته است. نتایج نشان می­دهد عزت نفس بر رفتار مالی و دانش مالی ذهنی تاثیر مثبت و معناداری دارد. همچنین دانش مالی عینی بر دانش مالی ذهنی تاثیر مثبت و معناداری دارد اما بر رفتار مالی تاثیر مثبت و معناداری ندارد. دانش مالی ذهنی به عنوان متغیر میانجی در این پژوهش بر رفتار مالی تاثیر مثبت و معناداری دارد.

کلیدواژه‌ها

عنوان مقاله [English]

Analyzing the Influence of Self-Esteem and Financial Knowledge on the Financial Behavior (Case study: brokerage of real investors of Eghtesade Novin Bank)

نویسندگان [English]

  • Hamid Reza Yazdani 1
  • Habib Medikhani 2
  • Dariush Ahmadi 2
  • Amin Alivandi 3
1 assistant professor and faculty member of management and accounting, Farabi campus of Tehran university
2 master of business management in finance, Farabi campus of University of Tehran,
3 Ph.D student of accounting and faculty member of Islamic Azad University of Fariden branch- department of accounting,
چکیده [English]

A successful and reasonable financial behavior and return in the capital market require self-esteem and financial knowledge in financial decisions. This research studies the influence of self-esteem and financial knowledge on financial behavior in a sample of 251 members of real investors with an online trading brokerage code in Eghtesade Novin who deal in Tehran Stock Exchange at least twice a weak. It is a descriptive correlation research, and questionnaire has been used to gather data. Data analysis has been done using structural equation modeling in LISREL software. The results show that self-esteem has a positive and significant impact on the financial behavior and mental financial knowledge. In addition, the objective financial knowledge has a positive and significant impact on the mental financial knowledge, but it does not have a positive and significant impact on the financial behavior. As a mediator variable, mental financial knowledge has a positive and significant impact on the financial behavior.

کلیدواژه‌ها [English]

  • Self-esteem
  • financial knowledge
  • Financial Behavior
  • structural equations

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دانش سرمایه‌گذاری
دوره 7، شماره 27
مهر 1397
صفحه 59-78

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