DEMOGRAPHIC AND SOCIOECONOMIC FACTORS THAT AFFECT FINANCIAL RISK PERCEPTIONS OF INDIVIDUAL INVESTORS

Year 2009, Volume: 5 Issue: 9, 129 - 150, 01.06.2009

Adem Anbar Melek Eker

Abstract

Financial risk perceptions of individual investors and measuring financial risk tolerance are quite important for both individual investors that want to increase the value of their savings and financial institutions that serve as intermediary and adviser. Financial risk perceptions of investors are also important for institutions that issue financial investment isntruments with respect to structuring financial instruments. The factors that affect financial risk perceptions of individual investors have been subject of research and discussion for long years. This study discusses the dimensions of relationship between financial risk perceptions and demographic and socioeconomic factors

Keywords

Risk, Financial Risk Perception, Risk Aversion, Risk Tolerance, Demographic Characteristics, Socioeconomic Factors

BİREYSEL YATIRIMCILARIN FİNANSAL RİSK ALGILAMALARINI ETKİLEYEN DEMOGRAFİK VE SOSYOEKONOMİK FAKTÖRLER

Abstract

Bireysel yatırımcıların finansal risk algılamaları ve finansal risk toleransının ölçülmesi, hem tasarruflarını çeşitli yatırım alternatiflerinde değerlendirmek isteyen bireysel yatırımcılar hem de yatırımcılara aracılık ve danışmanlık hizmeti sunan finansal kurumlar açısından oldukça önemlidir. Ayrıca yatırımcıların finansal risk algılamaları, finansal enstrümanların yapılandırılması açısından, finansal yatırım enstrümanlarını ihraç eden kurumlar için de önemlidir. Bireysel yatırımcıların finansal risk algılamalarını etkileyen faktörler, yıllardır pek çok araştırma ve tartışmanın konusu olmuştur. Bu çalışma, yatırımcıların finansal risk algılamaları ile demografik ve ekonomik faktörler arasındaki ilişkinin boyutlarını tartışmaktadır.

Keywords

Risk, Finansal Risk Algılaması, Riskten Kaçınma, Risk Toleransı, Demografik Özellikler, Sosyoekonomik Faktörler

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