The Lack of Short-term Financial Products in Hong Kong: An Empirical Analysis of Questionnaire

Abstract

In Hong Kong, which is rich in financial products, short-term financial products are rare, so there are many reasons behind it that are worth exploring and verifying. The objective of this study is to examine and validate the factors contributing to this phenomenon and to make recommendations for the future of short-term financial products in Hong Kong. This study sorted out the existing opinions and completed the questionnaire by sorting out the literature, and then empirically analyzed the reasons for the lack of short-term financial products in Hong Kong by using quantitative analysis methods. The results of the study revealed that, from the perspective of investors, Hong Kong's high salary, complex operation of short-term financial products, low security of short-term financial products, high risk, and difficult to match energy costs are all important reasons for investors to choose less short-term financial products. At the same time, the low interest rate environment of Hong Kong has led investors to save less and focus more on other high-yielding financial products.