Understanding the emotional influences of financial adviceseeking behaviour and the value of addressing them

了解财务咨询行为的情感影响以及解决这些问题的价值

• 批准号: 2435652
• 金额: --
• 依托单位: King's College London
• 依托单位国家: 英国
• 项目类别: Studentship
• 财政年份: 2020
• 资助国家: 英国
• 起止时间: 2020 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=studentship-2435652
• 关键词: Understanding; emotional; influences; financial; adviceseeking

The wealth management industry is an important part ofthe UK economy. In 2018 over £942 billion of financialwealth (almost 45% of UK GDP) was managed by UKprivate banks, execution-only brokers and wealth andinvestment management firms (PIMFA, 2019), and over£4.4bn revenue was generated from retail investmentbusiness by regulated intermediary activities (FCA, 2018a).The proposed studies will contribute additional insight tothe traditional economic view of therole of financial advice. It will examine the emotionalinfluences of financial advice-seekingbehaviour and quantify the value of these non-economicaspects.The research will measure the non-economic valuedelivered by different advice interactionmodels, e.g., face to face and robo-advice as well as howthese vary depending on gender.The research will contribute to the financial adviceliterature by drawing further on socialpsychology and psychoanalytic theories for different adviceinteraction models. It will alsohave impacts for the financial market and industrystakeholders, particularly considering rapidtechnological and social developments within the financialservices industry.The first of the three proposed studies is supported by datafor which access has already been negotiated.

财富管理行业是英国经济的重要组成部分。2018年，超过9420亿GB的金融财富(几乎占英国GDP的45%)由英国私人银行、仅执行经纪商以及财富和投资管理公司管理(PIMFA，2019年)，超过44亿GB的收入来自受监管的中介活动的零售投资业务(FCA，2018a)。拟议的研究将有助于对金融建议角色的传统经济学观点的进一步洞察。它将考察金融建议寻求行为的情感影响，并量化这些非经济方面的价值。该研究将衡量不同建议互动模式带来的非经济价值，如面对面建议和机器人建议，以及这些价值如何因性别而异。研究将进一步借鉴社会心理学和精神分析理论，针对不同的建议互动模式，为金融建议文学做出贡献。它还将对金融市场和行业利益攸关方产生影响，特别是考虑到金融服务业内的快速技术和社会发展。三项拟议研究中的第一项得到了已经谈判获得的数据的支持。