关于农村家庭理财问题的现状研究及影响因素分析——以山东省为例

Research on the Status Quo of Rural Family Financial Management and Analysis of Influencing Factors—Taking Shandong Province as an Example

研究在借鉴学术界已有研究的基础上,以山东省潍坊市农村地区的家庭为主要调查对象,进行问卷调查和访谈,后进行筛选整理,共得到120份有效数据,通过IBM SPSS对120份样本数据进行描述性统计的分析,并利用逐步回归法建立多元回归模型,研究农村家庭理财的现状及影响因素。研究结果表明:学历和年净收入对农村家庭能否主动购买理财产品具有显著性影响。

Based on the existing research in the academic circles, the study conducted questionnaire surveys and interviews with households in rural areas of Weifang City, Shandong Province as the main survey objects. After screening and sorting, 120 valid data were obtained, and they were analyzed by IBM SPSS. 120 samples of data were analyzed by descriptive statistics, and the stepwise regression method was used to establish a multiple regression model to study the current situation and influencing factors of rural family financial management. The results of the study show that academic qualifications and annual net income have a significant impact on whether rural households can actively purchase financial products.