浅析农村家庭理财方式.docVIP

PAGE 1 浅析农村家庭理财方式 ——以内江市隆昌县卫星村为例 学生：杨帆 （四川农业大学商学院，财务管理教育专业 导师： (四川农业大学商学院，611830) 摘要：随着社会的进步，农村经济的发展，农民的生活水平不断的提高，家中的收入除去正常的开支，积累的家庭净资产也呈上升趋势，但是大多数的农民缺乏理财意识，表现最为明显的就是理财方式过于单一，多数农民将闲钱存入银行，所拥有的金融产品较少。本文通过对内江市卫星村农民的收入和支出进行调查分析，得出卫星村农民收入逐年增加，但是他们的投资渠道和理财方式却没有同步增加。我国农村人口占全国总人口的60%以上，由此认为，提高农村家庭理财意识具有重要的意义。本文从农村居民的收入、支出和节余情况研究，从而为农村家庭理财提出一些合理的建议，提高农民的理财方式和意识。 关键词：农村家庭理财； 家庭收入；家庭支出；方式 Analysis of the rural family financial management mode -- take Neijiang city Longchang County satellite village as an example Student: yang fan (sichuan agricultural university business school, financial management education major, Tutor：xiao chuanlin (Commercial College, Sichuan Agricultural University, 611830) Abstract:With the progress of society, the development of rural economy, farmers living standards continue to improve, the income of the family removed from normal expenses, the accumulation of the net assets of the family are also on the rise, but most farmers lack the consciousness of conduct financial transactions, show is most apparent is the financial way too single, most farmer will spare money on deposit in bank, the with financial products less. This article through to the Neijiang satellite village of farmers income and expenditure survey analysis, the satellite village of farmers income has increased year by year, but their investment channels and means of financial management has not increased synchronization. Chinas rural population occupies countrywide total population 60% above, therefore, improve the rural family financial management consciousness is of great significance. The article from the income of rural dweller, expenses and savings of rural family financial management, so as to put forward some reasonable proposals, improving peasants financing and consciousness. Keywords: Rural family financial management; family income; family expenses; way 1引言 家庭理财是我们每个人都要面对的问题，不论你是单身，还是已经结婚生子，都需要进行理财。目前，我国农村经济已有了很大发展，农村金融改革也正在进行中。但由于我国经济