本文關(guān)鍵詞：長(zhǎng)春市高新區(qū)農(nóng)村居民個(gè)人理財(cái)問(wèn)題研究　出處：《吉林農(nóng)業(yè)大學(xué)》2016年碩士論文　論文類(lèi)型：學(xué)位論文

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【摘要】：隨著我國(guó)農(nóng)村經(jīng)濟(jì)的不斷發(fā)展,農(nóng)民群體的收入逐年增加,尤其是可支配收入也明顯增長(zhǎng),這就在無(wú)形之中增強(qiáng)了農(nóng)村居民的理財(cái)意識(shí)與投資需求,但是,由于當(dāng)前我國(guó)許多農(nóng)村居民金融理財(cái)知識(shí)相對(duì)匱乏,從而致使個(gè)人資本的保值增值功能沒(méi)有得到有效發(fā)揮,因此,如何逐步增強(qiáng)農(nóng)村居民的個(gè)人理財(cái)意識(shí)與投資能力、如何持續(xù)提升農(nóng)村居民個(gè)人資本的財(cái)產(chǎn)性收益,已經(jīng)成為學(xué)界與政府廣泛關(guān)注的社會(huì)難題。就長(zhǎng)春市而言,近年來(lái),農(nóng)民專(zhuān)業(yè)合作社蓬勃發(fā)展,農(nóng)業(yè)現(xiàn)代化與規(guī)模化程度日趨強(qiáng)化,農(nóng)產(chǎn)品附加值不斷增加,再加上農(nóng)業(yè)生產(chǎn)補(bǔ)貼、減免農(nóng)業(yè)稅等支農(nóng)惠農(nóng)政策的積極效應(yīng),長(zhǎng)春市內(nèi)許多農(nóng)村居民的生產(chǎn)收入與可支配收入明顯增加,尤其是高新區(qū)內(nèi)許多農(nóng)村居民在被拆遷安置之后獲得了數(shù)量可觀的拆遷補(bǔ)償款,這就需要學(xué)界與政府積極引導(dǎo)農(nóng)村居民進(jìn)行科學(xué)合理的投資理財(cái),進(jìn)而持續(xù)增加農(nóng)村居民的財(cái)產(chǎn)性收益。本文正是基于農(nóng)村居民收入不斷增加、個(gè)人理財(cái)意識(shí)相對(duì)淡薄的研究背景展開(kāi)行文,并針對(duì)長(zhǎng)春市高新區(qū)內(nèi)農(nóng)村居民個(gè)人理財(cái)現(xiàn)狀進(jìn)行了較為詳細(xì)的調(diào)查分析。本文主要包括五個(gè)章節(jié),第一章節(jié)主要探討分析了該選題的研究背景、研究意義、研究目標(biāo)、研究方法、國(guó)內(nèi)外學(xué)界在個(gè)人理財(cái)方面的研究現(xiàn)狀。第二章節(jié)探討分析了居民個(gè)人理財(cái)?shù)幕靖拍�、常�?jiàn)種類(lèi)、個(gè)人理財(cái)計(jì)劃的主要內(nèi)容、相關(guān)的理論基礎(chǔ)以及農(nóng)村居民個(gè)人理財(cái)與城市居民個(gè)人理財(cái)?shù)牟町�。第三章�?jié)主要依據(jù)調(diào)查問(wèn)卷的數(shù)據(jù)信息,總結(jié)歸納了長(zhǎng)春市高新區(qū)農(nóng)村居民個(gè)人在金融理財(cái)知識(shí)了解狀況、投資數(shù)額、收益狀況、選擇理財(cái)產(chǎn)品種類(lèi)及考量因素、風(fēng)險(xiǎn)承受能力、信息獲得渠道等方面的具體表現(xiàn)。第四章節(jié)主要分析了影響長(zhǎng)春市高新區(qū)農(nóng)村居民個(gè)人理財(cái)?shù)闹骺陀^因素。第五章節(jié)主要基于上述分析,從銀行等金融機(jī)構(gòu)、相關(guān)政府部門(mén)以及農(nóng)村居民個(gè)人三個(gè)方面提出了一些較具針對(duì)性的對(duì)策建議,希冀以此能夠?yàn)殚L(zhǎng)春市高新區(qū)廣大農(nóng)村居民以及銀行等金融機(jī)構(gòu)提供些許參考。
[Abstract]:With the continuous development of China's rural economy, farmers' income increased year by year, especially the disposable income also increases significantly, which is invisible in enhancing awareness of financial management and investment demand of rural residents, however, because many of our current rural financial knowledge is relatively scarce, resulting in increasing the value of personal capital do not get effective play, therefore, how to gradually enhance the personal financial awareness and investment ability of rural residents, rural residents continued to improve capital personal income from property, has become a social problem in academic circles and government attention. It Changchun City, in recent years, rapid development of farmer cooperatives, agricultural modernization and the level of scale increasingly enhanced, the added value of agricultural products continues to increase, coupled with the positive effects of agricultural production subsidies, reduction of agricultural tax and other preferential policies, the city Changchun many rural residents production income and disposable income increased significantly. Especially in the high-tech zone of many rural residents received a relocation compensation amount after resettlement, which requires the academia and government to actively guide the rural residents to carry out scientific and reasonable investment, thereby increasing the rural residents' property income. This paper is based on the research background of increasing rural residents' income and relatively weak personal financial awareness, and makes a detailed investigation and analysis of the current situation of rural residents' personal financial management in Changchun hi tech Development Zone. This paper mainly includes five chapters. The first chapter mainly discusses the research background, research significance, research objectives, research methods, and the current research situation of personal finance at home and abroad. The second chapter discusses the basic concepts and types of personal financial management, the main contents of personal financial planning, the related theoretical foundation, and the differences between rural residents' personal financial management and urban residents' personal financial management. The third chapter mainly based on the data of the questionnaire, summarized the rural residents in high tech Zone Changchun personal financial knowledge, understand the situation, the amount of investment return, choose the type of financial products and considerations, risk tolerance, information channels and other aspects of the specific performance. The fourth chapter mainly analyzes the subjective and objective factors affecting the personal financial management of rural residents in Changchun hi-tech zones. The fifth chapter is mainly based on the above analysis, from three aspects of the banks and other financial institutions, the relevant government departments and rural residents put forward some more specific countermeasures and suggestions, hoping to provide some reference for Changchun high tech Zone, the majority of rural residents and banks and other financial institutions.
【學(xué)位授予單位】：吉林農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類(lèi)號(hào)】：F832.2

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