农民理财的现状及理财能力提升对策研究1.docVIP

农民理财的现状及改善对策研究 ——以河南省为例 摘 要:最近几年农民财产性收入增长较快，农民渴望财产增值的愿望也逐渐曾强，但他们的理财意识淡薄，理财渠道也比较狭窄，通过调查研究本文认为农村土地产权权能残缺、农村金融市场发展落后、金融产品创新进程缓慢、农民金融理财知识缺乏、科学理财意识淡薄、农村社会保障体系不完善、金融改革进程缓慢、金融改革法律缺位等是造成农村理财困境的主要原因，对此本文研究建议从两个层面改善农民的理财现状、提高农民的理财能力：一、从社会层面，应切实采取措施完善农村土地制度、改善农村金融理财环境和条件、提高农民金融理财风险防范能力、加强适合农民投资理财产品的开发、转变农民的投资理念、加快农村金融改革和相关法律的制定等对策措施；二、从农民层面，农民应积极学习金融理财知识、灵活规划财产提高理财收益、敢于进城理财、切莫最求收益忘记风险、通过科学消费提高生活质量等。 关键词：农民；金融；理财；意识；转变； Research on current situation and Countermeasures of rural finance -- Taking Henan Province as an example Abstract: in recent years the farmers property income rapid growth, farmers desire wealth desire is increasing, but the financial consciousness, financing channel is narrow, through the investigation of the rural land property rights, incomplete rural financial market development lags behind, slow progress of financial product innovation management, farmers financial knowledge, scientific management consciousness is weak, the rural social security system is not perfect, the process of financial reform, financial reform law vacancy is a major cause of rural financial predicament, this paper study suggests that we should improve farmers financial management situation and ability from two aspects: one, from the social level, we should take practical measures to improve the rural land system, improve rural financial environment and conditions, improve farmers financial risk prevention capacity, strengthen the development of farmers for investment products ,change farmers’ investment ideas, speed up the measures of rural financial reform and related law; two, from the farmer level, farmers should learn financial knowledge, flexible planning property improvement fiscal revenue, dare to finance, don’t for income forget risk, through scientific consumption and improve the quality of life. Keyword: farmers; finance;financial management;consciousness;change; 前 言 农民是中国特色社会主义建设者的重要成员，农民富则国家强，农业丰则基础强，农村稳则社会和谐安稳。党的十七大报告明确指出：“创造条件让更多群众拥有财产性收入。”“财产性收入”被写入党代会报告，标示着普通百姓将进入理