Value-Based Financial Risk Prediction Model
| Autor: | Nataša Matulayová, Ivana Olecká, Pavla Macháčková, Pavlína Jurníčková, Helena Pospíšilová, Jiří Pospíšil |
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| Jazyk: | angličtina |
| Rok vydání: | 2021 |
| Předmět: |
Czech
Value (ethics) financial knowledge Multivariate analysis Strategy and Management Economics Econometrics and Finance (miscellaneous) Disease cluster economic situation Insurance Economic situation financial well-being Accounting HG8011-9999 ddc:330 Econometrics financial responsibility values model Social work Potential risk Financial risk language.human_language language helping professions Psychology risks |
| Zdroj: | Risks Volume 9 Issue 11 Risks, Vol 9, Iss 205, p 205 (2021) |
| ISSN: | 2227-9091 |
| DOI: | 10.3390/risks9110205 |
| Popis: | The model of financial risk prediction we developed and present in our paper is based on the theoretical assumption that there exists a significant relationship between actual economic situation and values. This assumption confirmed by the research influences the potential risk in financial behaviour and it becomes actual especially in the case of changing life conditions. The concept of the model is based on data received from 3768 respondents questioned across the Czech Republic. Measured variables were indexed, and the cluster and factor analyses were used for multivariate analysis. The model is unique in the combination of personal values projected into six generalized value types and developed economic indexes clustered in four types of economic situations. The primary purpose of the model is to identify the anticipated personal financial risk of clients. The model has fundamental applications as a diagnostic or auto-diagnostic tool in social work, counselling, psychotherapy, and other helping professions, or as a research instrument leading to various hypotheses and to the enhancement of theories concerning economic behaviour. |
| Databáze: | OpenAIRE |
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