针对新市民的金融服务现状调查以及优化路径分析

The Investigation of Financial Service Status and Optimization Path Analysis for New Citizens

随着我国工业化、城镇化和农业现代化进程的深入推进,越来越多居民通过创业就业、子女上学等原因来到城镇常住,融入当地成为“新市民”,人口规模约达3亿人。但是,当前新市民的地位以及对金融服务的需求仍然处在金融提供服务体系的边缘,获得的服务较为有限。本文通过调查问卷的形式,以若干城市为例,对新市民在住房与教育、养老与医疗、创业与就业方面的金融服务及优化路径进行了调查分析。调查发现,新市民的生活质量不能得到保障,部分新市民游离在社保体系之外;金融机构提升新市民生活的便利性,改善新市民的参保环境,定制金融产品和服务,满足新市民创业就业期间的灵活用款需求。

With the deepening of China’s industrialization, urbanization and agricultural modernization, more and more residents have come to live in cities and towns for reasons such as starting their own businesses, getting jobs, having their children go to school, etc., and become “new citizens” in the local areas, with a population of about 300 million. However, the status of new citizens and their demand for financial services are still on the edge of the financial service system, and the services they can obtain are relatively limited. In the form of questionnaire, this paper takes several cities as examples to investigate and analyze the financial services and optimization paths of new citizens in housing and education, pension and medical care, entrepreneurship and employment. The survey found that the quality of life of new citizens cannot be guaranteed, and some new citizens are outside the social security system;financial institutions enhance the convenience of new citizens’ life, improve the insurance environment for new citizens, and customize financial products and services to meet the flexible demand of new citizens during their entrepreneurial employment.