COVID-19大流行对个人财务的影响——波兰人和斯洛伐克人的比较分析

Krzysztof Waliszewski
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引用次数: 1

摘要

2019冠状病毒病大流行已影响到社会经济生活的各个领域,特别是家庭财务。本文的目的是介绍疫情对使用机器人咨询服务的波兰人和斯洛伐克人的财务状况的影响,包括他们的财务行为和投资。本文的研究方法包括文献分析、统计数据和作者自己的实证调查。该实证研究旨在验证研究假设:COVID-19大流行影响了使用机器人咨询的波兰人和斯洛伐克人的个人财务状况,尽管这种影响在个人理财的所有领域都不相同,也不涉及大流行后的投资计划。在大流行期间,大多数答复者的费用较低,但在未来,一半以上的答复者不打算改变其费用数额。大多数接受调查的人在大流行期间增加了储蓄。波兰人更多地承认,他们在疫情期间投资更多,而在疫情期间投资相同数额的斯洛伐克人比波兰人多。另一方面,斯洛伐克答复者宣布,在大流行病之后,他们打算投入比波兰人所表示的更多的资金。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The impact of the COVID-19 pandemic on the personal finance - a comparative analysis of Poles and Slovaks
Abstract The COVID-19 pandemic, due to its prevalence, has affected all spheres of socio-economic life, in particular household finances. The aim of the article is to present the impact of the pandemic on the financial situation of Poles and Slovaks who use robo-advisory services, including their financial behaviour and investments. The methodology of the article involves literature analysis, statistical data and the author’s own empirical survey. The empirical study aims to verify the research hypothesis: the COVID-19 pandemic influenced the personal finances of Poles and Slovaks who use robo-advice, although this impact was not the same in all areas of personal finance, nor in relation to investment plans after the pandemic. During the pandemic, most of the respondents had lower expenses, but in the future more than half of the respondents did not plan to change the amount of their expenses. Most of the surveyed people increased their savings during the pandemic. Poles more often admitted that they invested more during the pandemic, while more Slovaks than Poles invested the same amount during the pandemic. On the other hand, the Slovak respondents declared that after the pandemic they intend to invest greater sums than Poles indicated.
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