| 10years ago, the term financing most of the residents also believe that hasnothing to do with me, because both the national economy income or income are at arelatively low level. In the recent10years, with the rapid development of oureconomy, GDP and household wealth increased, residential investmentconsciousness awakening, the Investment demand is showing a rapid growth trend.Personal finance has entered people’s life, become the popular topic of people,become a part of our people’s life. In this paper, Hohhot city residents as theresearch sample, through the questionnaire survey on personal financial needs ofresidents of urban Hohhot City, empirical analysis of the factors affecting thefinancial needs of residents, to investigate the effects of the relationship betweenvariables, then to form a general understanding of the current situation of financialneeds of urban residents Hohhot City, and from the improvement of residentsinvestment demand that foreign advanced financial management experience,encourage residents to establish a correct concept of financial management,scientific management, reasonable increase in property income.This paper consists of six parts. The first part is the introduction, mainlyelaborated the research background, significance, research at home and abroad,purpose and method of study. The increase in personal financial awareness ofresidents increased and wealth has laid the foundation for the study of personalfinancial needs, and to encourage and help residents reasonable participation inpersonal finance is one of the important ways to realize the property income increase.The second part is the personal financial business,mainly introduces the personalfinancial services of the meaning,principle,step and the development of personalfinancial business theory. The third part of the empirical analysis, this is the maincontent of this paper. In the first Hohhot city residents as the research object, thedesign of the questionnaire, the data obtained by the questionnaire, the status ofpersonal financial needs Hohhot city residents and the existing problems of the empirical analysis. Hohhot city residents financial needs of personalperformance:(1)the managing finances consciousness recovery, management ideatransformation;(2)improve income levels,financial demand growth;(3)the maindemand hierarchy, diversification of demand motivation. The research also foundthat, Hohhot city residents for some problems in personal financial needs,including:(1)investment decision is conservative;(2)the traditional acceptance ofpersonal financial service way;(3)financial lack of science;(4)lack of personalfinancial services and products supply. Secondly, analyzes the influence factors ofpersonal financial needs Hohhot city residents, including economic factors, socialfactors, cultural factors and other factors. The economic factor refers to income,interest rates and financial market. The fourth part, introduces the development andEnlightenment of financial business in developed countries and regions. Analysisfocuses on the financial needs of development degree and meet the personalfinancial business in developed countries and regions, and summed up the Chinesecommercial banks to develop financial business implications; The fifthpart,according to the presence of personal financial demand analysis Hohhotresidents problem, put forward the corresponding countermeasures how toimprove.Mainly includes:(1)to establish a correct concept of financial management,strengthen the risk consciousness;(2) improve the social security system, toeliminate any menace from the "rear";(3) reasonable diversion savings, to broadenthe financing channels;(4)improve the innovation ability of bank, theimplementation of the strategy of talent training.（5） establish and perfect thepersonal finance education system of our country.The sixth part is conclusion andprospect, the content of the text are summarized, pointed out the insufficiency, andthe next step of the research work of a simple description. |
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