内蒙古通辽市甘旗卡镇居民理财存在的问题及对策研究

发布时间：2019-03-19 12:18

【摘要】：随着我国经济的持续增长,居民的收入水平也不断提升,这在一定程度上增强了人们的理财意识,刺激了人们对居民理财的需求。加上当前的国际经济环境仍充满了诸多不确定和不稳定的因素,如何确保自己的资产不受损失,如何保值增值以及如何提高自己的生活水平成为大多数人的热议话题。与此同时,互联网金融的迅猛发展、金融脱媒以及利率市场化一方面改变着人们惯有的理财方式,另一方面也倒逼着传统的金融机构加紧改变传统的盈利模式,重视理财业务的发展。尽管国内也不乏对居民理财问题的研究,但从中小城镇居民角度进行研究的却很少。内蒙古通辽市科左后旗甘旗卡镇经济总量不是很发达,而该地区居民的人均可支配收入依然连年增长,在此基础上,人们的理财需求有了一定的增长,因此本文以甘旗卡镇居民的理财行为为研究对象,探讨小城镇居民理财方面存在的问题。希望发现新的居民理财的行为特点,为居民理财研究的进一步完善和后续的深入研究做出贡献,并为促进甘旗卡镇居民理财的健康发展提出一些合理建议。本文主要采取社会调查的方法进行分析研究,从而对甘旗卡镇居民理财的现状形成了一个较为系统的认识。甘旗卡镇居民理财需求主要存在居民理财意识淡薄、理财方式过于单一、风险承受能力弱、对金融机构的理财服务认可度低以及获取理财信息的渠道过于单一五点问题,而这些问题还普遍存在于其他中小城镇的居民理财当中。针对这些问题本文提出改善的建议,不仅对甘旗卡镇居民理财的健康发展有促进作用,还能对其他城镇居民理财的完善具有一些借鉴意义。具体建议主要从居民、金融机构和对金融市场的监管三方面提出。一方面,居民层面:培养和树立正确的理财观念、拓宽理财信息的获取渠道、优化投资组合、提高风险防范和监督意识;另一方面,金融机构要搭建以客户为中心的理财平台、加强对理财知识和理财产品的普及与宣传、创新和开发多样化的理财产品以及提高理财人员的专业素质;此外,还要加强金融市场的法律规范和监督管理。
[Abstract]:With the continuous growth of our country's economy, the income level of residents is also rising, which to a certain extent enhances people's awareness of financial management and stimulates people's demand for financial management. In addition, the current international economic environment is still full of many uncertain and unstable factors, how to ensure that their assets do not suffer losses, how to maintain and increase their value and how to improve their standard of living has become a hot topic of discussion for most people. At the same time, with the rapid development of Internet finance, financial disintermediation and interest rate marketization on the one hand change people's traditional financial management methods, on the other hand, they also force traditional financial institutions to change the traditional profit model. Attach importance to the development of financial management business. Although there is no lack of research on residents' financial management in China, there are few studies from the perspective of small and medium-sized urban residents. In Tongliao City, Inner Mongolia, the total economic volume is not very developed, and the per capita disposable income of residents in this area is still growing year after year. On this basis, people's demand for financial management has increased to a certain extent. Therefore, this paper takes the financial management behavior of the residents of Ganqi card as the research object, and probes into the problems existing in the financial management of the residents in small towns. It is hoped that the new behavior characteristics of resident financial management will be found, which will contribute to the further improvement of the research on resident financial management and the further in-depth study, and some reasonable suggestions for promoting the healthy development of resident financial management in Ganqika town will also be put forward. This article mainly adopts the social investigation method to carry on the analysis research, thus has formed a more systematic understanding to the Ganqi card town resident's financial management present situation. The main financial needs of residents in Ganqika town are weak awareness of financial management, too single financial management, weak risk tolerance, low recognition of financial services for financial institutions, and too single five-point channels for obtaining financial information. And these problems are also common in other small and medium-sized towns residents in the financial management. In view of these problems, this paper puts forward suggestions for improvement, which can not only promote the healthy development of the financial management of Ganqica town residents, but also have some reference significance to the improvement of other urban residents' financial management. Specific suggestions mainly from the residents, financial institutions and the supervision of the financial market three aspects. On the one hand, residents: cultivate and establish a correct concept of financial management, broaden access to financial information, optimize the investment portfolio, improve the awareness of risk prevention and supervision; On the other hand, financial institutions should build a customer-centered financial management platform, strengthen the popularization and publicity of financial knowledge and products, innovate and develop diversified financial products and improve the professional quality of financial personnel; In addition, we should strengthen the legal norms and supervision of the financial market.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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