福建山区城镇化过程中农民理财行为的演化

Research on the Evolution of Peasants' Financing Ideas In the Urbanization Process of Fujian's Mountain Area

山区城镇化带来经济环境、社会环境和人文环境变化对当地农民产生外在冲击,与农民长居山区形成的谨慎、封闭观念形成内在冲突。福建山区农民因自然资源丰富,随着城镇化的加深,形成了一定的财富积累。他们由初期时面对理财工具的困惑、面对风险的无能为力,逐步过渡到平稳面对风险进行理性理财。这说明福建山区农民在城镇化初期阶段、发展阶段和成熟阶段这一过程中对外在冲突和内心冲突已逐步适应。

The urbanization process of the mountain area has brought with it a huge impact on the economic,social and cultural environment of the local peasants,which is in huge conflict with their traditional and prudent ideas formed in their long-term life. In the mountain area of Fujian Province,many peasants have accumulated plenty of wealth thanks to the abundance of natural resources. These peasants have endured the gradual shift from the puzzlement in the face of a variety of financial services and an vulnerability in case of risks to a rational financing awareness where they can respond to risks steadfastly,which indicates that the peasants in Fujian＇s mountain areas can adjust their idea of finance and form their own finance evolution process,adapting to the different period of urbanization development,including at the beginning period,development period and mature period.