本文選題：拆遷農民　切入點：家庭理財　出處：《中南林業(yè)科技大學》2015年碩士論文

【摘要】：隨著湖南省城鎮(zhèn)化的不斷發(fā)展,城郊地段拆遷區(qū)越來越多,被拆遷農民家庭產生了家庭理財規(guī)劃和投資需求,然而因為他們普遍缺乏科學合理的理財方式導致家庭財產面臨危機。本文通過以地處湖南省湘北、湘中、湘西南的黎托鄉(xiāng)、株洲縣、衡陽松木經濟開發(fā)區(qū)、邵陽市綏寧縣四個拆遷地區(qū)為主縱觀全局,對拆遷農民家庭理財?shù)恼J知、意愿、行為特征、期望效用、金融環(huán)境等方面展開實地調查。研究拆遷農民家庭的理財現(xiàn)狀,指出拆遷農民家庭理財存在的問題主要體現(xiàn)在三個方面：一是落后的理財觀念制約了理財行為,二是政府缺乏對拆遷農民家庭理財?shù)闹笇?三是城郊地區(qū)金融基礎設施建設尚未完善。然后,分析了拆遷農民家庭因為受教育程度、家庭經濟實力、鄰里理財氛圍、市場環(huán)境和政府政策等方面因素影響了拆遷農民家庭理財方式的選擇。最后,針對存在的問題及原因提出相應對策與建議,以期能夠結合拆遷農民的理財行為特點,為拆遷農民家庭科學理財提供投資組合策略參考,達到資產保值增值的目的；促進農村金融環(huán)境的逐步完善,使農村金融市場進一步發(fā)展,繼續(xù)推動城鎮(zhèn)化的發(fā)展進程。
[Abstract]:With the continuous development of urbanization in Hunan Province, there are more and more demolition areas in suburban areas, and the families of the peasants who have been demolished have produced family financial planning and investment needs. However, because of their general lack of scientific and reasonable financial management methods, family property is facing a crisis. This article is based on the Lito Township, Zhuzhou County, Hengyang Pine and Wood Economic Development Zone located in Hunan Province, Hunan Province, Central Hunan Province, and Southwest Hunan Province. The four demolition areas in Suining County, Shaoyang City, are mainly concerned with the overall situation. The field investigation is carried out on the cognition, willingness, behavior characteristics, expected utility, financial environment, and so on of the family financial management of the peasants, and the present situation of the financial management of the demolition farmers' families is studied. The paper points out that there are three main problems in the family financial management of the peasants: first, the backward concept of financial management restricts the financial management behavior; second, the government lacks the guidance to the family finance of the peasants. Thirdly, the construction of financial infrastructure in suburban areas is not yet perfect. Then, it analyzes the atmosphere of financial management in the neighborhood because of the education level, the economic strength of the family and the financial management atmosphere of the neighborhood. Factors such as market environment and government policy affect the choice of family financial management methods of demolition farmers. Finally, the corresponding countermeasures and suggestions are put forward in view of the existing problems and reasons, in order to combine the characteristics of financial management behavior of demolition farmers. This paper provides a strategic reference for the scientific financial management of rural families to achieve the purpose of maintaining and increasing the value of assets, to promote the gradual improvement of the rural financial environment, to further develop the rural financial market, and to continue to promote the development of urbanization.
【學位授予單位】：中南林業(yè)科技大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F299.27;F832.2

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本文編號：1690557