湖南省城镇化进程中拆迁农民家庭理财问题研究

发布时间：2018-03-31 11:34

本文选题：拆迁农民　切入点：家庭理财　出处：《中南林业科技大学》2015年硕士论文

【摘要】：随着湖南省城镇化的不断发展,城郊地段拆迁区越来越多,被拆迁农民家庭产生了家庭理财规划和投资需求,然而因为他们普遍缺乏科学合理的理财方式导致家庭财产面临危机。本文通过以地处湖南省湘北、湘中、湘西南的黎托乡、株洲县、衡阳松木经济开发区、邵阳市绥宁县四个拆迁地区为主纵观全局,对拆迁农民家庭理财的认知、意愿、行为特征、期望效用、金融环境等方面展开实地调查。研究拆迁农民家庭的理财现状,指出拆迁农民家庭理财存在的问题主要体现在三个方面：一是落后的理财观念制约了理财行为,二是政府缺乏对拆迁农民家庭理财的指导,三是城郊地区金融基础设施建设尚未完善。然后,分析了拆迁农民家庭因为受教育程度、家庭经济实力、邻里理财氛围、市场环境和政府政策等方面因素影响了拆迁农民家庭理财方式的选择。最后,针对存在的问题及原因提出相应对策与建议,以期能够结合拆迁农民的理财行为特点,为拆迁农民家庭科学理财提供投资组合策略参考,达到资产保值增值的目的；促进农村金融环境的逐步完善,使农村金融市场进一步发展,继续推动城镇化的发展进程。
[Abstract]:With the continuous development of urbanization in Hunan Province, there are more and more demolition areas in suburban areas, and the families of the peasants who have been demolished have produced family financial planning and investment needs. However, because of their general lack of scientific and reasonable financial management methods, family property is facing a crisis. This article is based on the Lito Township, Zhuzhou County, Hengyang Pine and Wood Economic Development Zone located in Hunan Province, Hunan Province, Central Hunan Province, and Southwest Hunan Province. The four demolition areas in Suining County, Shaoyang City, are mainly concerned with the overall situation. The field investigation is carried out on the cognition, willingness, behavior characteristics, expected utility, financial environment, and so on of the family financial management of the peasants, and the present situation of the financial management of the demolition farmers' families is studied. The paper points out that there are three main problems in the family financial management of the peasants: first, the backward concept of financial management restricts the financial management behavior; second, the government lacks the guidance to the family finance of the peasants. Thirdly, the construction of financial infrastructure in suburban areas is not yet perfect. Then, it analyzes the atmosphere of financial management in the neighborhood because of the education level, the economic strength of the family and the financial management atmosphere of the neighborhood. Factors such as market environment and government policy affect the choice of family financial management methods of demolition farmers. Finally, the corresponding countermeasures and suggestions are put forward in view of the existing problems and reasons, in order to combine the characteristics of financial management behavior of demolition farmers. This paper provides a strategic reference for the scientific financial management of rural families to achieve the purpose of maintaining and increasing the value of assets, to promote the gradual improvement of the rural financial environment, to further develop the rural financial market, and to continue to promote the development of urbanization.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F299.27;F832.2

【参考文献】