The Problems And Countermeasures Of The Financial Management Of Residents In Ganqika Town, Tongliao City, Inner Mongolia

With the continuous development of China's economy,the income level of residents is also increasing,which enhances the awareness of resident's financial management,and stimulates the demand of resident's investment and financial management.Coupled with the current international economic environment is still full of a lot of uncertain and unstable factors,how to ensure that their assets from loss,how to preserve and increase value and how to improve their living standards become the hot topic of most people.At the same time,with the rapid development of Internet finance,financial disintermediation and interest rate liberalization,on the one hand those change people's usual way of financial management,on the other hand also forced the traditional financial institutions to change their traditional profit model,attention is payed to financial business development.Although there is no short of domestic research on the problem of financial management,but the study perspective is limited to the small and medium-sized urban residents.Inner Mongolia Tongliao Ganqika town's total economic volume is not very big,but the per capita disposable income of residents in this region is still growing year after year,on this basis,people's financial needs have a certain growth,so this article is about the financial behavior of residents in Ganqika town,and the problems existing in the financial management of small towns are discussed.Hoping to discover some new behavior characteristics of the residents'financial management,and make some reasonable suggestions for the further development of residents' financial management and the further development of follow-up research,and makes some reasonable suggestions for promoting the healthy development of the residents of Ganqika town.This paper mainly adopts the methods of social investigation to carry on the analysis research,thus forms a systematic understanding to the present situation of the residents' financial management in Ganqika town.The financial management of residents mainly has the weak consciousness of financial management,the way of financial management is too single,the risk tolerance is weak,the recognition to the financial institution's financial service is low and the channel of obtaining financial information is too single,these problems are prevalent in other small towns.To deal with these problems,this paper puts forward some suggestions,which not only can promote the healthy development of the residents' financial management,but also have some reference significance to the other urban residents.Mainly from residents,financial institution,financial regulation three aspect to make suggestion.For residents:cultivate and establish a correct concept of financial management,expand access of financial information,optimization of investment portfolio,increase awareness of risk prevention and supervision.For financial institution:establish the management platform that take the customer as the center,strengthen the propaganda and popularization of financial.knowledge and financial products,innovation and development variety of financial products and improve the professional quality of financial personnel;in addition,strengthen the legal norms and the financial markets' supervision and management.