农村居民消费动力和金融需求不足问题研究:广西玉林市问卷调查

Research on Rural Residents’Consumption Motivation and the Shortage of Financial Demand:A Survey of Yulin

为了解农村居民收支及金融需求情况,人民银行玉林市中支对2012年玉林市农村居民收支及金融需求情况进行了问卷调查。本次问卷调查对象为玉林市辖区的容县、北流、博白、陆川四个县(市)的60户农村居民,主要采用发放调查问卷方式进行,共发放60份调查问卷,收回有效问卷60份,回收率100%。调查显示:农村居民当前家庭经济状况有所改善,但就业形势仍较为严峻;农村居民收入有所增加,但消费动力不足,预期未来物价上涨压力仍然较大;农村居民贷款需求旺盛,但需求满足率降低。有关问题应予关注。

In order to understand the situation of rural residents’income,expenditure and financial demand,we carried out a questionnaire survey in 2012 among 60 rural residents distributed in four counties(city)of Yulin includ ing Rongxian,Beiliu,Bobai and Luchuan.We delivered 60 questionnaires and took back 60 effective questionnaires,so the recovery is 100%.The results of the questionnaire are: rural residents’current economic status has improved,but the employment situation is still harsh;rural residents’income has increased,but their motivation of consumption is inadequate,and they predict that inflationary pressure is going to be greater in the future;rural residents have great loan demand,but the satisfaction rate of their demand is low.The above problems should be paid attention.Rural Consumption;Financial Demand;Questionnaires;Suggestions