內(nèi)蒙古通遼市甘旗卡鎮(zhèn)居民理財(cái)存在的問題及對(duì)策研究
發(fā)布時(shí)間：2019-03-19 12:18
【摘要】：隨著我國(guó)經(jīng)濟(jì)的持續(xù)增長(zhǎng),居民的收入水平也不斷提升,這在一定程度上增強(qiáng)了人們的理財(cái)意識(shí),刺激了人們對(duì)居民理財(cái)?shù)男枨�。加上�?dāng)前的國(guó)際經(jīng)濟(jì)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(chǎn)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(shù)人的熱議話題。與此同時(shí),互聯(lián)網(wǎng)金融的迅猛發(fā)展、金融脫媒以及利率市場(chǎng)化一方面改變著人們慣有的理財(cái)方式,另一方面也倒逼著傳統(tǒng)的金融機(jī)構(gòu)加緊改變傳統(tǒng)的盈利模式,重視理財(cái)業(yè)務(wù)的發(fā)展。盡管國(guó)內(nèi)也不乏對(duì)居民理財(cái)問題的研究,但從中小城鎮(zhèn)居民角度進(jìn)行研究的卻很少。內(nèi)蒙古通遼市科左后旗甘旗卡鎮(zhèn)經(jīng)濟(jì)總量不是很發(fā)達(dá),而該地區(qū)居民的人均可支配收入依然連年增長(zhǎng),在此基礎(chǔ)上,人們的理財(cái)需求有了一定的增長(zhǎng),因此本文以甘旗卡鎮(zhèn)居民的理財(cái)行為為研究對(duì)象,探討小城鎮(zhèn)居民理財(cái)方面存在的問題。希望發(fā)現(xiàn)新的居民理財(cái)?shù)男袨樘攸c(diǎn),為居民理財(cái)研究的進(jìn)一步完善和后續(xù)的深入研究做出貢獻(xiàn),并為促進(jìn)甘旗卡鎮(zhèn)居民理財(cái)?shù)慕】蛋l(fā)展提出一些合理建議。本文主要采取社會(huì)調(diào)查的方法進(jìn)行分析研究,從而對(duì)甘旗卡鎮(zhèn)居民理財(cái)?shù)默F(xiàn)狀形成了一個(gè)較為系統(tǒng)的認(rèn)識(shí)。甘旗卡鎮(zhèn)居民理財(cái)需求主要存在居民理財(cái)意識(shí)淡薄、理財(cái)方式過于單一、風(fēng)險(xiǎn)承受能力弱、對(duì)金融機(jī)構(gòu)的理財(cái)服務(wù)認(rèn)可度低以及獲取理財(cái)信息的渠道過于單一五點(diǎn)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(cái)當(dāng)中。針對(duì)這些問題本文提出改善的建議,不僅對(duì)甘旗卡鎮(zhèn)居民理財(cái)?shù)慕】蛋l(fā)展有促進(jìn)作用,還能對(duì)其他城鎮(zhèn)居民理財(cái)?shù)耐晟凭哂幸恍┙梃b意義。具體建議主要從居民、金融機(jī)構(gòu)和對(duì)金融市場(chǎng)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(cái)觀念、拓寬理財(cái)信息的獲取渠道、優(yōu)化投資組合、提高風(fēng)險(xiǎn)防范和監(jiān)督意識(shí);另一方面,金融機(jī)構(gòu)要搭建以客戶為中心的理財(cái)平臺(tái)、加強(qiáng)對(duì)理財(cái)知識(shí)和理財(cái)產(chǎn)品的普及與宣傳、創(chuàng)新和開發(fā)多樣化的理財(cái)產(chǎn)品以及提高理財(cái)人員的專業(yè)素質(zhì);此外,還要加強(qiáng)金融市場(chǎng)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(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.2
本文編號(hào)：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(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.2
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