惠州普通收入家庭理财现状与优化建议

Financial Management Status of Ordinary Income Families In Huizhou&Some Suggestions

作为粤港澳大湾区一员,惠州经济发展前景十分广阔,居民收入显著增多,家庭的投资需求已逐步凸显。本文通过立意抽样,调查惠州市201户普通收入家庭的基本情况、理财状况和理财认知情况,分析发现:惠州市居民理财投资比例、风险偏好主要受家庭生命周期、学历、年收入、家庭负担影响;理财投资谨慎而理性。建议:居民需提高理财素养;金融机构加大宣传与产品创新;政府进一步发展经济,并加强金融监管。

As a member of the Guangdong-Hong Kong-Macao Greater Bay Area,Huizhou′s economic development prospect is very broad,and residents’income has been increased significantly and personal investment is booming.By purposive sampling,this paper investigates the sociodemographic characteristics,financial management status and financial cognition of 201 ordinary-income-families in Huizhou city,Guangdong province.It was found that the proportion of financial investment and risk preference of Huizhou residents are mainly affected by family life cycle,education,annual income and family burden,and their financial investment is cautious and rational.Therefore,the suggestions are that residents should improve their financial literacy;financial institutions should improve their publicity as well as innovation;the government should further develop the economy and strengthen financial supervision.