互联网金融背景下浙江省临安市农村家庭理财问题研究

发布时间：2018-09-18 10:24

【摘要】：随着近年来国家惠农政策的实施,农村生产力大幅度提高,经济持续发展,农村家庭经济收入和生活水平也相继提高,可支配资金越来越多。二城市化的发展大量农村土地的征用及农村拆迁改造,农民经历一夜暴富的神话后,有的开上了豪车,买下数万元的名包名表;有的依旧默默干着低薪工作;还有的则用这笔钱去创业;更有的或赌博输光或挥霍一空,沦落为社会问题。由于最近几年物价指数的不断提高,“负利率”在银行之间普遍出现,已成为社会问题。农民资产大幅度的缩减,农民的理财问题已经成为困扰农民增收致富问题,一个主要原因就是农民不懂理财。随着社会的进步,农村经济的发展,农民的生活水平不断的提高,家中的收入除去正常的开支,积累的家庭净资产也呈上升趋势,农村作为下一轮新的经济增长的市场,已然悄然兴起。随着网络的普及,农户理财的意识日加变高,人们对理财看法发现了变化,但是大多数的农民缺乏理财意识,表现最为明显的就是理财方式过于单一,多数农民将闲钱存入银行,所拥有的金融产品较少,还有的农村家庭理财意识薄弱,主观的意识认为存钱就是理财,理财就是存银行。本文介绍临安市经济发展现状及农民生活基本概况,通过问卷实地对临安市农村家庭理财进行调研,分析影响农村家庭理财的众多因素。并结合传统与互联网理财模式的选择,结合互联网金融理财的发展趋势及特点进行了详细的分析,从政府层面、当地金融机构和农民自身理财情况提出对临安市农村家庭理财的合理的对策与建议。
[Abstract]:With the implementation of the national policy of favouring agriculture in recent years, the rural productivity has been greatly improved, the economy has continued to develop, the economic income and living standard of rural families have been improved, and more disposable funds have been available. Second, the development of urbanization, a large number of rural land requisition and rural demolition and transformation, farmers experienced the myth of a night rich, some opened luxury cars, bought tens of thousands of yuan of the name of the list, some still quietly do low-wage work; Others use the money to start a business; others lose or squander gambling and become a social problem. Because of the rising price index in recent years, negative interest rate has become a social problem among banks. With the large reduction of farmers' assets, the problem of farmers' financial management has become a problem of increasing peasants' income and getting rich, one of the main reasons is that farmers do not know how to manage financial affairs. With the progress of the society, the development of the rural economy, the continuous improvement of the peasants' living standard, the income of the family apart from the normal expenses, the accumulated net assets of the families are also on the rise. The countryside is the market for the next round of economic growth. Has risen quietly. With the popularity of the network, the awareness of financial management of farmers has become higher and higher. People have found a change in their views on financial management. However, most farmers lack the awareness of financial management, the most obvious manifestation of which is that the financial management method is too single. Most farmers deposit their spare money in the bank, have less financial products, and have a weak sense of financial management in rural households. The subjective consciousness is that saving money is financial management, and financial management is depositing bank. This paper introduces the present situation of economic development and the basic situation of farmers' life in Linan city, and analyzes the many factors that affect rural family finance by questionnaire survey. Combined with the choice of traditional and Internet financial management mode, combined with the development trend and characteristics of Internet financial management, this paper makes a detailed analysis, from the government level, The local financial institutions and farmers themselves put forward reasonable countermeasures and suggestions for rural family finance in Linan City.
【学位授予单位】：内蒙古财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.2;TS976.15

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