对当前农村居民收支状况及消费需求的调查与思考——基于辽宁省的问卷调查  

The Investigation and Reflection on the Condition of Rural Residents' Income and Expenditure and Their Consumption Demand——Basing on the Questionnaire in Liaoning Province

作　　者：刘杰[1] 何畅[1] 

机构地区：[1]中国人民银行沈阳分行,辽宁沈阳110001

出　　处：《西部金融》2012年第5期83-88,共6页West China Finance

摘　　要：本文通过问卷调查发现:当前农村居民收入稳步提高,收入结构日趋多元化,资产结构较为单一;农民预期消费需求结构进一步升级,但受物价上涨带动支出增长过快,导致农民未来大宗消费动力不足;农村金融创新产品和金融服务水平发展较慢,农村居民金融观念亟待增强。同时,农村居民家庭收入相对较低且不稳定、支出增长过快、社会保障还不完善等因素制约农村消费需求的扩大,并据此提出相关对策建议。According to the questionnaire, the paper lists the following findings. At present rural residents＇ income has increased steadily, income structure has diversified, but asset structure has been simplex. Farmers＇ expectation consumption demand structure has upgraded, but because rising price leads to a rapid expenditure increase, there is no impetus to exercise large bulk of consumption. Rural financial innovation and service have developed slowly, and rural residents＇ financial concept should be changed. The paper finally puts up countermeasures.

关 键 词：农民支出 农村消费 农村金融 

分 类 号：F830.5[经济管理—金融学]