农村居民互联网理财的风险及其防范措施  

The Risk and Preventive Measures of Internet Financial Management of Rural Residents

作　　者：陈娜菲[1] CHEN Na-fei(Jinshan College, Agriculture and Forestry University, Fuzhou 350002,China)

机构地区：[1]福建农林大学金山学院,福州350002

出　　处：《淮阴工学院学报》2021年第3期81-85,共5页Journal of Huaiyin Institute of Technology

基　　金：福建省中国特色社会主义理论体系研究中心2018-2019年度省级研究中心专项(FJ2019ZTZ013);福建省教育厅中青年教师教育科研项目(JAS180896);福建农林大学金山学院课程思政教学改革研究项目(jx200214)。

摘　　要：理财是人们实现财富保值与增值的有效途径,对拓宽农村居民收入来源的渠道具有重要意义。如今互联网金融时代的到来改变了农村金融环境,通过分析农村居民参与互联网理财的背景及可能会面临的风险,从政府、金融机构和农村居民三大主体出发,提出创造良好互联网理财环境,传播理财知识、改变农村居民理财观念,农村居民主动学习,提升自身理财素养等风险防范措施,以帮助农村居民正确识别和规避互联网理财风险,享受到互联网金融发展带来的红利,过上更加美好的生活。Financial management is an effective way for people to maintain and increase wealth,which is of great significance to broaden the sources of income for rural residents.The advent of the Internet financial era has changed the rural financial environment.By analyzing the background and possible risks of rural residents participating in Internet financial management,staring from the three main entities of the government,financial institutions and rural residents,we proposed to create a good Internet financial environment,spread financial knowledge,change rural residents'financial management concepts,and rural residents take the initiative to learn and improve their financial literacy and other risk prevention measures.To help rural residents correctly identify and avoid Internet financial management risks,enjoy the dividends of Internet financial development,and live a better life.

关 键 词：互联网金融 农村居民 互联网理财 理财风险 

分 类 号：F323.8[经济管理—产业经济]