摘要
通过实地调查,对甘肃省和河南省两个省份六个区域的农村居民"对个人理财的认知和意愿"进行了调查研究。结果表明:河南省农村居民与甘肃省农村居民在理财认知与意愿上有明显差异。认知方面,甘肃省农村居民对个人理财的整体概念了解更清晰,河南省农村居民更重视理财作用。意愿方面,河南省农村居民对参与理财积极性更高,进行理财手段更多样化;两省农村居民理财的主要限制性因素均有:资金匮乏,但在甘肃省农村居民理财中思想观念也发挥着重要的限制性作用。
Through field investigation, this paper investigates the rural residents' cognition and willingness to personal finance in six regions of Gansu Province and Henan Province. The results show that there are obvious differences in financial management cognition and willingness between rural residents in Henan Province and rural residents in Gansu Province. In terms of cognition, rural residents in Gansu Province have a clearer understanding of the overall concept of personal finance, and rural residents in Henan Province pay more attention to the role of financial management. In terms of willingness, rural residents in Henan Province are more enthusiastic about participating in financial management and have more diversified means of financial management. The main restrictive factors of rural residents' financial management in both provinces are lack of funds, but the ideas and concepts of rural residents in Gansu Province also play an important restrictive role in financial management.
作者
李炯
杨清
管云飞
李彬彬
齐洋
王亚楠
LI Jiong;YANG Qing;GUAN Yun-fei;LI Bin-bin;QI Yang;WANG Ya-nan(Gansu Agricultural University,Lanzhou 730070,PR)
出处
《湖南农业科学》
2018年第8期108-111,共4页
Hunan Agricultural Sciences
基金
甘肃农业大学2017年学生科研训练项目(20170601)
关键词
农村居民
个人理财
认知和意愿
区域差异
rural residents
personal finance
cognition and willingness
regional differences