格鲁吉亚人口的金融能力和行为:挑战与展望

Nanuli Kokashvili, Merab Vanishvili, Maka Sosanidze
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引用次数: 0

摘要

文章以最新的文学资料和丰富的事实材料为基础,分析了格鲁吉亚人口金融行为的特殊性,根据金融能力和理财方式确定了格鲁吉亚人口的细分。根据财务能力,格鲁吉亚人口分为六个部分。这些群体被划分为三个相应的社会经济地位群体。最后三个群体属于社会经济地位经济适应群体,占格鲁吉亚人口的 28.3%。另外两个群体的社会经济状况为或多或少具备经济能力,占格鲁吉亚人口的 35.9%。剩下的一部分,即 32.4%的格鲁吉亚人口,其社会经济状况为经济困难。我们利用 23 篇论文(与理财有关)对格鲁吉亚人口中广泛使用的理财技巧进行了深入分析。我们对上述论文的结论进行了分析,并根据理财方式确定了格鲁吉亚人口中的以下 6 个群体:有理财责任感(34%);有理财恐惧(22%);有商业思维(12%);有债务负担(16%);浪费(11%)和 "购物狂"(5%)。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Financial capabilities and behavior of the population in Georgia: challenges and perspectives
The article, based on the latest literary sources and rich factual materials, analyzes the peculiarities of the financial behavior of the population in Georgia, defines the segmentation of the Georgian population according to financial ability and money management style. Six segments of Georgian population are represented according to financial capabilities. These segments are grouped under three corresponding socioeconomic statuses. Last three segments are grouped under the socioeconomic status of financially adapted and it comprises 28.3% of Georgian population. Another two segments are grouped under the socioeconomic status of more or less financially adapted and it comprises 35.9% of Georgian population. The remaining segment, i.e. 32.4% of Georgian population, has socioeconomic status of being into financial hardship. We used 23 theses (related to a money management) for in-depth analysis of techniques of money management that are widely-spread in Georgian population. We analyzed conclusions of above-mentioned theses and identified the following 6 segments of Georgian population according to the style of money management: financially responsible (34%); with financial fears (22%); with business thinking (12%); burdened with debts (16%); wasteful (11%) and "shopaholic" (5%).
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