福建省高收入农村居民家庭理财研究

发布时间：2018-03-19 13:13

本文选题：马克维茨均值—方差模型　切入点：高收入农村居民家庭　出处：《哈尔滨理工大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着各项惠农政策的实施和福建省农村经济的发展，高收入农户的收入水平有了显著的提高，高收入农村家庭有了一定的财富积累，农村居民家庭对理财业务的需求也越来越强烈。但是受到城乡二元经济结构发展模式等因素的影响，大部分金融机构并没有对农户的理财需求提起足够的重视。而且受中国传统观念和的影响和农村居民固有知识的限制，大部分农民还是选择把闲置资金存放在银行获取利息，并没有利用各种理财工具实现财富的保值增值。本文以福建省高收入农村居民家庭为研究对象，首先，确定了福建省高收入农户具有可用于理财的稳定的收入和资产基础。并进一步分析确立了适合福建省高收入农村居民的理财工具，阐述了农村金融理财市场现存的一系列问题，为下一步实证分析奠定基础。其次，介绍资产组合理论的马克维茨均值—方差的模型的基本原理，并根据福建省高收入农户实际情况引入无风险资产对模型进行了优化。再次，结合相关数据，运用MATLAB金融工具箱，得出适合福建省高收入农村居民家庭投资的风险资产的有效前沿和加入无风险资产后资产的最优配置，并进行了相应的案例分析。最后根据实证分析得出福建省高收入农村居民家庭风险资产的理财策略和无风险资产的理财策略，并从政府、金融机构和农户三个层面提出促进福建省高收入农村居民家庭合理理财的对策建议。
[Abstract]:With the implementation of various preferential agricultural policies and the development of the rural economy in Fujian Province, the income level of high-income farmers has increased significantly, and the high-income rural households have accumulated certain wealth. The demand of rural households for financial services is also increasing. However, due to factors such as the development model of urban-rural dual economic structure, Most financial institutions do not pay enough attention to the financial needs of farmers. Moreover, under the influence of traditional Chinese concepts and the restrictions of rural residents' inherent knowledge, most farmers still choose to deposit idle funds in banks to earn interest. And do not use a variety of financial tools to achieve wealth preservation and appreciation. In this paper, the high-income rural households in Fujian Province as the research object, first of all, This paper determines the stable income and asset base of high-income farmers in Fujian Province, and further analyzes and establishes the financial tools suitable for high-income rural residents in Fujian Province, and expounds a series of existing problems in rural financial management market. Secondly, it introduces the basic principle of Markowitz mean-variance model of portfolio theory, and introduces risk-free assets to optimize the model according to the actual situation of high-income farmers in Fujian Province. Combining with the relevant data and using the MATLAB financial toolbox, the effective frontier of venture assets suitable for household investment of high-income rural residents in Fujian Province and the optimal allocation of assets after joining risk-free assets are obtained, and the corresponding case studies are carried out. Finally, according to the empirical analysis, we draw the financial management strategies of household risk assets and risk-free assets of high-income rural residents in Fujian Province, and from the government, Financial institutions and farmers put forward countermeasures and suggestions to promote the reasonable financial management of high income rural households in Fujian Province.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F323.8

【相似文献】