Study On Financial Management Of Rural Households In Urumqi County

With the gradual increase in the income of farmers, farmers’ standard of living also will be significantly improved, more and more available funds, most people simply choose the funds stored in the bank used to old-age. As prices continue to rise in recent years, Bank deposits "negative interest " of the rapidly shrinking peasant family assets, the financial problem has been highlighted, farmers finance is a priorityFirstly, on the basis of domestic and foreign scholars related research, To summarize economic development of the Urumqi County and farmers’Family Income and Expenditure. Then introduced the members of the peasant family in Urumqi County and the composition of the workforce, and then about the income level of farmers, consumption and savings.Then, we conducted a survey of the financial situation of the peasant family in Urumqi County. By investigating, firstly, we knew that the choice of financial products the peasant family in Urumqi County, existing financial products for farmers. Secondly, analyzed on farmers’ choice of financial product portfolio. And then to identify factors that affect family financial management of Urumqi County farmers:family income levels; the overall quality of family financial decision-makers; village atmosphere of the environment and interest rates and financial markets and so on. Then to analyze the above factors.Finally, given reasonable suggestions from the government, financial institutions, farmers own financial knowledge.Because I limited research capacity and knowledge, this study is not fully mature, of which there are many defects and deficiencies, I hope to get corrected judgment from experts, teachers, students.