طراحی مدلی جهت تبیین سواد مالی سرمایه‌گذران خرد بازار سرمایه

طراحی مدلی جهت تبیین سواد مالی سرمایه‌گذران خرد بازار سرمایه

نوع مقاله : مقاله پژوهشی

نویسندگان

1 دانشجوی دکتری مدیریت مالی، واحد رشت، دانشگاه آزاد اسلامی، رشت، ایران

2 استادیار گروه مدیریت، واحد رشت، دانشگاه آزاد اسلامی، رشت، ایران.

3 استادیار گروه مدیریت، واحد رشت، دانشگاه آزاد اسلامی، رشت، ایران

چکیده

باتوجه به تغییرات پویا درمحیط ‌های اقتصادی،خصوصاً در حوزه بازارهای مالی که از پیچیدگی‌ خاصی برخوردار است، بهبود دانش مالی سرمایهگذاران بعنوان یکی از زیر مجموعه های سوادمالی،یک ضرورت به نظرمی‌ رسد تا سرمایه‌ گذاران بتوانند تصمیمات آگاهانه ‌تری اخذ نمایند. این امر به خوبی ضرورت تحلیل وپژوهش دراین زمینه و وا کاوی موضوع سواد مالی را روشن می‌نماید. بنابراین مسأله اصلی دراین پژوهش به این صورت است که، سواد مالی سرمایه گذاران خرد در ایران چگونه باید اندازه گیری شود و الگوی بومی توسعه سواد مالی سرمایه گذاران خرد در ایران چگونه است؟ برای این منظور، مدل جامعی برای ادغام و یکپارچه‌سازی دانش، رفتار و نگرش مالی طراحی می‌ شود‌‌. دراینراستادر پژوهش حاضر از  رویکرد پژوهش کیفی استفاده شده که در روش کیفی ازروش نظریه داده بنیادی گراندد تئوری استفاده شده است.
 جهت تحلیل داده‌های کیفی از روش مقایسه مداوم درطی سه مرحله کدگذاری باز،محوری وانتخابی استفاده شده است. یافته‌های کیفی تحلیل شده ودرپایان پس از نتایج فوق؛ الگوی سنجش سواد مالی بر اساس سنجه‌های 1) نگرش؛ 2) دانش و فهم مالی؛ 3) مهارت؛ 4) آموزش، اطلاعات و اطمینان؛  5) اطلاعات عمومی فردی تعیین شد. همچنین در ادامه رویکرد گراندد تئوری، کدگذاری انتخابی صورت گرفت و فرضیات مطالعه بر اساس مدل پارادایمی سواد مالی تدوین گردید تا  عوامل تأثیر‌گذار بر سواد مالی سرمایه‌گذران خرد بازار سرمایه ایران مشخص گردد.  
 

کلیدواژه‌ها


عنوان مقاله [English]

Designing a Model to Explain the Financial Literacy of Retail Investors in the Capital

نویسندگان [English]

  • mehrdad Asi 1
  • Ebrahim Chirani 2
  • Farzin Farahbod 3
1 PhD Student in Financial Management, Department of Financial Management, Faculty of Management and Accounting, Rasht Branch, Islamic Azad University, Rasht, Iran
2 Assistant Professor, Department of Management, Rasht Branch, Islamic Azad University, Rasht, Iran.
3 Assistant Professor, Department of Management, Rasht Branch, Islamic Azad University, Rasht, Iran.
چکیده [English]

Given the dynamic changes in economic environments, especially in the area of financial markets, which are particularly complex, improving the financial knowledge of investors as a subset of financial literacy, seems a necessity so that investors can make decisions that are more informed. This clearly highlights the need for analysis and research in this area and analysis of the issue of financial literacy.
Therefore, the main issue in this study is how to measure the financial literacy of micro-investors in Iran and what is the local pattern of development of financial literacy of micro-investors in Iran? To this end, a comprehensive model is designed to integrate knowledge, behavior, and financial attitudes.
In this regard, in the present study, the qualitative research approach has been used, which in the qualitative method has used the data theory method or grounded theory. In order to analyze the qualitative data, the continuous comparison method has been used during the three stages of open, axial and selective coding. Qualitative findings are analyzed and finally after the above results; Financial literacy assessment model based on criteria 1) attitude; 2) financial knowledge and understanding; 3) skills; 4) training, information and security; 5) Individual general information was determined. Also, following the grounded theory approach, selective coding was done and the study hypotheses were developed based on the financial literacy paradigm model to test the factors affecting financial literacy that have been developed from a qualitative stage.

کلیدواژه‌ها [English]

  • Financial literacy
  • financial literacy model
  • Retail Investors
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