浙江省农民工金融服务现状及需求分析

An Analysis on the Demand and Status Quo of Financial Services for Peasant Laborers

在分析农民工金融服务现状及农民工金融服务需求状况的基础上,提出加强农村金融机构基础设施建设,充分发挥银行卡支付结算功能;降低农民工银行卡服务费用,调动农民工用卡积极性;开发农民工小额信贷产品,满足中短期资金需求;开发农民工小额投资产品,满足投资需求;逐渐推进农民工保险,提高农民工保障程度;加大对农民工的金融知识宣传力度,正确认识金融产品和服务等改善农民工金融服务的对策建议。

On the base of the Status Quo of financial services for peasant laborers and the analysis about their demand for these services, the paper suggests to emphasize essential construction of financial institutions in rural area, to develop the settling function of bank cards, to meet their middle-or short-term fund demands, to develop small-sum investment products, to provide suitable insurances for the laborers etc.