Study On Personal Financial Planning Of Rural Residents In Changchun New And High-tech Zone

With the continuous development of the rural economy in our country, the income of the farmers is increasing year by year, especially disposable income also increases obviously, this is in the invisible to enhance the rural residents’ financial awareness and investment demand, however, due to the current our country many rural residents knowledge relative to financial services, thus cause individual capital value function has not been effectively play, therefore, how to gradually enhance the rural residents’ awareness of personal finance and investment ability, how to improve rural residents continued personal capital property income, has become a social problem widely concerned by academia and the government.In terms of Changchun city, in recent years, the farmers’ professional co-operatives to flourish, increasingly strengthening agricultural modernization and the degree of the scale, increasing agricultural product added value, and subsidies for agricultural production, agricultural tax relief, such as the positive effects of support policy, many rural residents of Changchun city production income and disposable income increased significantly, especially in the new and high-tech zone in many rural residents were obtained after the resettlement considerable units compensation, this would require the academic circle and the government actively guide rural residents to make scientific and rational investment money, and then continue to increase property income of rural residents.This article is based on increasing the income of rural residents, the personal financial awareness is relatively weak research background launched the, and in Changchun City new and high tech Zone of rural residents personal financial situation to carry on the detailed investigation analysis. This paper mainly includes five chapters. The first chapter mainly discusses the research background, research significance, research objectives, research methods, research status of personal finance in China and abroad. The second chapter discusses the main categories of the basic concept of residents in personal finance, common species, personal financial planning, related theory analysis and rural residents in the personal financial management and urban residents in the personal financial differences. The third chapter is mainly on the basis of the questionnaire data information, summarized the Changchun new and high tech Zone Rural Residents in financial knowledge understanding status, amount of investment, income status, choose types of financial products and considerations and risk to bear ability, information access, channels and other aspects of specific performance. The fourth chapter mainly analyzes the subjective and objective factors that affect the personal finance of rural residents in Changchun new and high tech Zone. The fifth chapter mainly based on the above analysis, from banks and other financial institutions and relevant government departments and rural resident individual three aspects proposed some more for countermeasures and suggestions, hoping to Changchun City new and high tech Zone Rural Residents and banks and other financial institutions provide some reference.