內蒙古通遼市甘旗卡鎮(zhèn)居民理財存在的問題及對策研究
發(fā)布時間：2019-03-19 12:18
【摘要】：隨著我國經濟的持續(xù)增長,居民的收入水平也不斷提升,這在一定程度上增強了人們的理財意識,刺激了人們對居民理財的需求。加上當前的國際經濟環(huán)境仍充滿了諸多不確定和不穩(wěn)定的因素,如何確保自己的資產不受損失,如何保值增值以及如何提高自己的生活水平成為大多數人的熱議話題。與此同時,互聯網金融的迅猛發(fā)展、金融脫媒以及利率市場化一方面改變著人們慣有的理財方式,另一方面也倒逼著傳統(tǒng)的金融機構加緊改變傳統(tǒng)的盈利模式,重視理財業(yè)務的發(fā)展。盡管國內也不乏對居民理財問題的研究,但從中小城鎮(zhèn)居民角度進行研究的卻很少。內蒙古通遼市科左后旗甘旗卡鎮(zhèn)經濟總量不是很發(fā)達,而該地區(qū)居民的人均可支配收入依然連年增長,在此基礎上,人們的理財需求有了一定的增長,因此本文以甘旗卡鎮(zhèn)居民的理財行為為研究對象,探討小城鎮(zhèn)居民理財方面存在的問題。希望發(fā)現新的居民理財的行為特點,為居民理財研究的進一步完善和后續(xù)的深入研究做出貢獻,并為促進甘旗卡鎮(zhèn)居民理財的健康發(fā)展提出一些合理建議。本文主要采取社會調查的方法進行分析研究,從而對甘旗卡鎮(zhèn)居民理財的現狀形成了一個較為系統(tǒng)的認識。甘旗卡鎮(zhèn)居民理財需求主要存在居民理財意識淡薄、理財方式過于單一、風險承受能力弱、對金融機構的理財服務認可度低以及獲取理財信息的渠道過于單一五點問題,而這些問題還普遍存在于其他中小城鎮(zhèn)的居民理財當中。針對這些問題本文提出改善的建議,不僅對甘旗卡鎮(zhèn)居民理財的健康發(fā)展有促進作用,還能對其他城鎮(zhèn)居民理財的完善具有一些借鑒意義。具體建議主要從居民、金融機構和對金融市場的監(jiān)管三方面提出。一方面,居民層面:培養(yǎng)和樹立正確的理財觀念、拓寬理財信息的獲取渠道、優(yōu)化投資組合、提高風險防范和監(jiān)督意識;另一方面,金融機構要搭建以客戶為中心的理財平臺、加強對理財知識和理財產品的普及與宣傳、創(chuàng)新和開發(fā)多樣化的理財產品以及提高理財人員的專業(yè)素質;此外,還要加強金融市場的法律規(guī)范和監(jiān)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.
【學位授予單位】：內蒙古大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2
本文編號：2443517
[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.
【學位授予單位】：內蒙古大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2
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