| As the core area of the Belt and Road, Fujian province welcomed the opportunity of rapid economic growth.With income continues to increase, the family assets and capital accumulation will increase.Gulou is center of economic,cultural and political where located in the northwest of fuzhou.It has the most abundant modern school education resources and is named as"baishan",the government is located in Gulou.In recent, Gulou maintain steady and rapid development in various aspects.In 2014,the number of people in Gulou is about 700,000, and GDP totaled 101 billion yuan in Gulou.At the same time,with the good time coming,Gulou has opportunities in the rapid economic development.Residents in Gulou accumulate some wealth, people constantly improve the quality of life. As the improvement of household consumption, the changing structure of the family property, and under the condition of inflation, people realize the importance of the family finance,start to seek variational financial services to make the wealth maintained and added.It has become a attention for residents in Gulou.In the first,the article make a survey to analysis the influencing factors of family financial situation in Gulou.At the same time found some problems of family finance in the Gulou.Finally, the article analysis the reasons of the existence of problems that exist in family financial situation in Gulou and put forward the feasible countermeasures. The government should improve the financial sector supervision mechanism, popularize family financial knowledge, and introduced the domestic and foreign well-known financial expert through the subsidy policy.Financial institutions should vigorously promote financial knowledge,broaden the investment channels,encourage positive innovation to suit different individuals wealth management products.Residents should spread risk by way of family financial portfolio, and according to the family income and family life cycle theory to make their family financial planning. |
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