农民金融资产分布、选择行为与影响因素分析——基于江西省2450个农户数据  

Research on the distribution,choice behavior and factors of farmers financial assets:evidence from Jiangxi province

作　　者：徐展峰[1] 贾健[1] 

机构地区：[1]中国人民银行南昌中心支行,南昌330008

出　　处：《中国农业大学学报》2010年第5期130-136,共7页Journal of China Agricultural University

摘　　要：为深入了解我国农民金融资产的规模状况及结构分布,探求农民金融资产选择行为的客观规律性,以江西为例,在充分掌握2 450户样本农户调查资料基础上,充分运用比较分析、实证分析等方法对农民金融资产选择行为特征及影响因素进行研究。结果表明:农民金融资产在农民财产中占有一定的地位,而且呈现逐渐上升趋势;农民金融资产的选择行为具有储蓄的较强偏好性、手持现金缘由的多样性、资产选择的多元化趋势等特征;农民收入是农户金融资产投资的主要影响因素,收入状况很大程度上决定着金融资产水平。基于分析结论,提出相应对策建议。In order to understand better the scale and structure of China＇s farmers financial assets,and explore the objective laws of farmers portfolio behavior,we surveyed 2 450 households of Jiangxi province,studied the farmers portfolio behavior and its influencing factors with comparative analysis and empirical analysis.The results showed that farmers financial assets held a certain position in the farmers property,and presented the increasing trend gradually.The farmer behavior of financial assets showed some features of strong preference of savings,cash in hand cause of diversity.Income of farmers was the main factors affecting household financial assets.Their income largely determined the level of financial assets.Based on the analysis,we proposed countermeasures.

关 键 词：农民 金融资产 选择行为 影响因素 实证分析 

分 类 号：F830.2[经济管理—金融学]