农村居民家庭投资理财现状问题调查研究——以贵州省农村地区为例
Investigation and Research on the Status Quo of Investment and Finance of Rural Household—Take Rural Areas in Guizhou Province as an Example

伴随着人们收入增长和生活水平的提升，大众对投资理财的认知和观念也在发生转变。据调查，我国城镇人口的理财方式一般都是偏重投资型，那么针对目前数量庞大的农村居民群体，他们的理财方式又是怎么样的呢？通过对贵州省农村地区进行问卷调查和人物访谈，探究农村金融市场及农村居民家庭理财现状，从完善农村金融市场、加强农村居民理财意识等视角，提出营造理财氛围，培养农民理财知识，加强农村金融市场监管力度，鼓励农民个人与农村金融机构相互配合，通过发展理财代理人、创新投资信息传递渠道等促进农村居民合理管理家庭闲置资金的对策及建议，使农村居民家庭资产能得到合理运用，从而达到保值增值的目标，助力乡村振兴战略顺利实现。
With the increase of people’s income and the improvement of living standards, the public’s cogni-tion and concept of investment and financial management are also changing. According to the sur-vey, the financial management methods of the urban population in my country are generally in-vestment-oriented, so what is their financial management method for the large number of rural residents? Through questionnaire surveys and personal interviews in some rural areas of Bijie City, Guizhou Province, we explored the rural financial market and the financial situation of rural households. From the perspectives of improving rural financial markets and strengthening rural residents’ financial management awareness, we proposed to create a financial management at-mosphere and cultivate farmers’ financial management knowledge, strengthen the supervision of the rural financial market, encourage individual farmers to cooperate with rural financial institu-tions, and promote the rational management of idle funds for rural residents through the develop-ment of financial agents, innovative investment information transmission channels, and other countermeasures and suggestions, so that rural residents’ family assets can be obtained, using it rationally to achieve the goal of maintaining and increasing value and help the smooth realization of the rural revitalization strategy.