Study Of Financing Demand And The Impact Of Individual Factors Of Rural Residents

Personal financial services, also known as wealth management business, is the bank accordingto the customer information including various financial indicators, and customer demand,combined with the characteristics of their own financial products can supply, formulate thecorresponding financial management plan and goals to help customers, recommend appropriatefinancial products, financial report and issue a series of service process. Personal financeoriginated in Europe and the United States, the personal financial services of our country carriedout relatively late, starting around twentieth Century90years, but with the rapid development ofChina’s economy, the social wealth is increasing, the personal financial management businesspeople for nearly ten years in the city is developing very fast, but the countryside is neglected, aforgotten the market in recent years, the rural economy has greatly developed, personal financialservices has great developing space and prospect, should be the subject of financial institutionsand attention.Putian city is located in the eastern part of Fujian Province, is a typical coastal city, in ruralareas of Putian city in recent thirty years, the agricultural production, work, undertake theprocessing factory, trade, travel business and other business activities, economic income increasedsteadily. Putian City, a lot of farmers in recent years the rapid prosperity, many rural residentsgradually with the financial needs, but met with financial difficulties. Personal financial businessof Commercial Bank of our country while developing very fast these years, but in the rural areas isstill a blind spot, and affluent rural development will be in the future become a bank, brokerage,insurance and other financial institutions to develop the market of personal financial business ofnew. In this study, the rural residents of Putian city as research samples, through the questionnairesurvey in Putian different counties of rural residents of personal financial needs, respectively fromthe age, education level, personal and family income, on the financial awareness, financialknowledge dissemination channels as a field investigation on the current situation of personalfinance in rural areas understand the theoretical knowledge, comprehensive use of economics andstatistics, the empirical analysis of the results, the influence of each factor and the relationshipbetween the causes of rural residents in Putian City, to analyze the personal financial situation anddemand and existing problems from various aspects, and get some results from: personal andeconomic income is the financial foundation, the more income, the more financial demand; ageand culture degree also have a greater impact on the financial needs, a high degree of culture, awide range of knowledge, easy to accept the new concept of new knowledge, strong financialawareness; at the age of young adults, aggressive, risk-taking, financial demand is relatively more;the biggest characteristic of financial management the pursuit of the rural residents is steadyprimarily, supplemented by income. Found the problem is: the rural financial service outlets,financial business less publicity, do not pay enough attention to the rural market. The purpose ofthis study is to the characteristics of rural residents, some suggestions for the design of most of therural residents of personal financial needs financial product development, to help rural residents tolearn financial management, and scientific management, realize the goal of family assets, areasonable increase in family income and property, to improve the living level of consumption ofrural residents, let a farmer residents also share the results and financial rapid economic growth after the income increase happiness, has the very strong practical significance.The innovation of this paper is to study the influence factors of rural residents in personalfinance, research on this topic with fewer people, but also ignored the problem of financialinstitutions, and the economic development trend, have a certain value and significance to studythe subject. I chose the coastal rural residents this particular group as a research object, because ofChina’s coastal economic development in rural areas is better, richer, have the financial foundationand development space. This paper studied the effects of personal financial demand of ruralresidents through several on rural residents’ age, education, income and other factors, the goal is tofind rules, in-depth exploration of rural residents in the real demand for the personal financialmanagement, find some suitable financing farmers’ personal financial products from, ultimatelypromote the rural real increase in property income, to raise the standard of living. The coastal ruralarea is a typical representative of China’s rural areas in the first rich, which is good for China’sfinancial industry in the promotion and development of the personal financial managementbusiness in rural areas have guidance and reference significance, and has great economicsignificance to promote the healthy development of the rural financial market in chinaThe deficiencies of this paper is the design of questionnaire investigation is not perfect, thelimited sample data, theoretical analysis is not perfect enough, these will affect the accuracy of theresults, given their knowledge and the limited level, the problems there are insufficient, in the laterwork, I will continue to work hard in this area theory, and keep track of rural residents of personalfinancial problems, accumulated some experience in this field, provides personal suggestions onthe development of personal financial products for rural residents, rural residents in the hope ofpersonal financial management can make progress and improve, and continuously improve their.