农村居民对个人理财业务的意愿及影响因素分析

Analysis of Rural residents undefined willingness and its influencing factors in the personal Finance Business

以河南和甘肃两省的六个区县为研究对象,通过问卷调查的方式,对农村居民对个人理财的意愿、影响因素进行了随机调查。结果表明,农村居民对个人理财具有较强的意愿,河南省居民较甘肃省居民的理财意愿更强。其影响因素主要受到两个方面因素的影响,分别是居民个人因素,如收入水平、知识水平、资金使用方式以及金融机构的因素,如金融机构的信誉、理财产品的单一。同时,政府在农村居民个人理财的过程中也具有重要作用。

Taking six districts and counties of Henan and Gansu provinces as the research object, this paper makes a random investi原gation on the rural residentsundefined willingness to personal finance and the influencing factors by means of questionnaire. The re原sults show that the rural residents have a strong willingness to personal finance, and the residents of Henan Province have stronger fi原nancial will than the residents of Gansu Province. The influencing factors are mainly affected by two factors, namely, the personal fac原tors, such as income level, knowledge level, and the mode of use of funds; and the factors of financial institutions, such as the reputa原tion of financial institutions, the single financial products. At the same time, the government also plays an important role in the pro原cess of rural residentsundefined personal finance.