萧山农户金融需求研究毕业论文.doc

毕业论文 （2010届） 萧山农户金融需求研究 摘 要 满足农户金融需求多样化是现代农村金融的主要标志。农户金融需求是农村金融的核心，农村金融是现代金融的重要组成部分。农户金融需求能否得到实现，是衡量农村金融服务有效性的标准。 虽然萧山地区经济相对发达，但是农户对金融知识并不是很了解，对金融服务需求关注也不多。为了更好的了解萧山地区农户金融需求的状况，本文对萧山地区的农户进行了抽样问卷调查。通过调查对萧山地区农户金融需求的特征有了深一步的了解，在调查中也发现了存在于萧山地区农户金融需求中的一些问题，并从问题出发提出了相应的解决对策。希望可以满足萧山农户金融需求以及促进萧山金融服务市场更好的向农村地区延伸和萧山城镇农村金融市场的和谐发展提供一些有价值的参考。 关键词：Abstract To meet the diverse financial needs of rural households is the main symbol of the modern rural finance. Peasant household financial demand in is the core of finance, and rural finance is an important part of modern finance. Realizing the peasant household financial demand is the standard evaluating the finance service efficiency. Although the Xiaoshan area economy is relatively developed, but the peasant household is not understood very much to the financial knowledge, are not many to the financial service demand attention. For better understood that the Xiaoshan area peasant household finance demand the condition, this article has carried on the sampling questionnaire survey to the Xiaoshan areas peasant household. Had the deep step understanding through the investigation to the Xiaoshan area peasant household finance demands characteristic, had also discovered in the investigation exists in the Xiaoshan area peasant household finance demand some questions, and embarked from the question proposed the corresponding solution countermeasure. The hope may meet the Xiaoshan peasant household finance need as well as promote the Xiaoshan financial service market to extend well to the countryside area with the Xiaoshan cities rural finance market accord development provides some valuable references. Keywords: Peasant household; Questionnaire survey; Financial demand 目 录 1萧山地区基本情况概述 1 1.1萧山地区农业经济状况 1 1.2 萧山地区农村金融机构情况 3 2 萧山地区农户金融需求分析 5 2.1 抽样方法及调查样本基本情况 5 2.1.1 农户文化程度 5 2.1.2 农户家庭规模及劳动力人数 6 2.1.3农户家庭收支情况 6 2.2农户金融需求的特征分析 8 2.2.1 银行储蓄是家庭的首要理财方式 8 2.2.2 农户融资需求强烈 8 2.2.3 民间金融需求强烈 9 2.2.4 农户其他金融需求 10 2.3 农户金融需求行为及其影响因素 11 3 萧山地区农户金