农民家庭理财现状问卷调查分析

对部分省份农民家庭进行了实地问卷调查,分析了其收入水平及结构、支出水平及结构、投资品种及结构、筹资品种及结构;并对其他农民问题进行了调查与分析,得出了农民整体收入低,非农业收入大于农业收入,年轻家庭比年长者家庭有更多的节余;农民支出上普遍节衣缩食;投资品种单一;融资渠道狭窄;基建开支、生产资料开支、教育经费支出较大以及各种社会保障基本空白等理财特点。

Investigation and Analysis of the Current Situation of Peasants' Household Financing

Based on the investigation through questionnaire on the spot to peasants' households of some provinces,analysis is made of the peasants'income level and structure,expenditure level and structure,investment variety and structure,and the variety and structure of financing.The results show that the characteristics of peasants' finance situation are as follows:peasants are badly paid as a whole;the non-agricultural income is greater than the agricultural income;the young family has more surplus than the elder's family;peasants generally economize on food and clothing on expenditure;investment variety is single;the financing channel is narrow;the expenses of capital construction,means of production,and educational funds expenditure are very heavy;various kinds of social security are nearly blank,etc.