【摘要】：隨著近年來國家惠農(nóng)政策的實施,農(nóng)村生產(chǎn)力大幅度提高,經(jīng)濟持續(xù)發(fā)展,農(nóng)村家庭經(jīng)濟收入和生活水平也相繼提高,可支配資金越來越多。二城市化的發(fā)展大量農(nóng)村土地的征用及農(nóng)村拆遷改造,農(nóng)民經(jīng)歷一夜暴富的神話后,有的開上了豪車,買下數(shù)萬元的名包名表;有的依舊默默干著低薪工作;還有的則用這筆錢去創(chuàng)業(yè);更有的或賭博輸光或揮霍一空,淪落為社會問題。由于最近幾年物價指數(shù)的不斷提高,“負利率”在銀行之間普遍出現(xiàn),已成為社會問題。農(nóng)民資產(chǎn)大幅度的縮減,農(nóng)民的理財問題已經(jīng)成為困擾農(nóng)民增收致富問題,一個主要原因就是農(nóng)民不懂理財。隨著社會的進步,農(nóng)村經(jīng)濟的發(fā)展,農(nóng)民的生活水平不斷的提高,家中的收入除去正常的開支,積累的家庭凈資產(chǎn)也呈上升趨勢,農(nóng)村作為下一輪新的經(jīng)濟增長的市場,已然悄然興起。隨著網(wǎng)絡的普及,農(nóng)戶理財?shù)囊庾R日加變高,人們對理財看法發(fā)現(xiàn)了變化,但是大多數(shù)的農(nóng)民缺乏理財意識,表現(xiàn)最為明顯的就是理財方式過于單一,多數(shù)農(nóng)民將閑錢存入銀行,所擁有的金融產(chǎn)品較少,還有的農(nóng)村家庭理財意識薄弱,主觀的意識認為存錢就是理財,理財就是存銀行。本文介紹臨安市經(jīng)濟發(fā)展現(xiàn)狀及農(nóng)民生活基本概況,通過問卷實地對臨安市農(nóng)村家庭理財進行調研,分析影響農(nóng)村家庭理財?shù)谋姸嘁蛩亍２⒔Y合傳統(tǒng)與互聯(lián)網(wǎng)理財模式的選擇,結合互聯(lián)網(wǎng)金融理財?shù)陌l(fā)展趨勢及特點進行了詳細的分析,從政府層面、當?shù)亟鹑跈C構和農(nóng)民自身理財情況提出對臨安市農(nóng)村家庭理財?shù)暮侠淼膶Σ吲c建議。
[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.
【學位授予單位】：內蒙古財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F724.6;F832.2;TS976.15

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