Financial Knowledge and Behaviors of Chinese Migrant Workers: An International Perspective on a Financially Vulnerable Population

ABSTRACT

Making informed financial decisions is crucial to the wellbeing of Chinese migrant workers. Using interview survey data (N = 329), this study examined financial knowledge and behaviors of migrant workers in China. Results showed that participants demonstrated low levels of financial knowledge (51.4%) and beneficial financial behaviors (51.0%). Multivariate results indicated that a modest proportion of the variance in financial behaviors was explained by financial knowledge, attitudes, and socio-demographic characteristics (e.g., marital status and income). Findings underscore the importance of disseminating culturally-relevant educational interventions to financially at-risk, low-paid migrant workers in China.     

Good personal finances or a strong social capital—on different life conditions of importance for an active life when becoming alone in old age

Becoming alone in old age can be a decisive life event that brings major changes depending on various causes as health status, financial resources, family situation, and available welfare services. This article discusses the situation of older people in Sweden who have transitioned from a two-person to single-person household in recent years and what impact this might have on their everyday lives. Through in-depth interviews with 18 older people, age 67–90, their experiences about life conditions and opportunities were examined. Findings showed large differences between the men and women. They all tried to live as they always had done and they used the same personal life strategies that they always had. But the men could live as before on their own financial merits, while the women needed assistance from children, grandchildren and the welfare system. Transportation options were central and clearly related to both private economy and social services available. Shortcomings in the welfare state's way of caring for the elderly were clearly uncovered. The gap between social policy promises of opportunities for autonomy and independence to live an active life in old age and the everyday reality for older people still seems to be wide.     

武陵山区农村金融生态环境建设问题研究

武陵山区农村在金融生态经济环境、政策环境、法律环境、信用环境和社会中介环境等方面都存在着不同程度的缺陷,开展金融生态环境建设又面临经济环境难以得到根本改善、政府的主导地位作用难以得到真正发挥、相关部门单位难以形成有效合力等难点问题。因此,搞好武陵山区农村的金融生态环境建设工作,应着重从三个方面入手:一是提升农村经济运行质量,增强农村经济的发展力,实现农村经济的可持续发展;二是贯彻落实科学发展观,强化政府的执行力,充分发挥政府在金融生态环境建设中的主导作用;三是明确部门单位职责,建立相应的责任制度,广泛调动社会力量有针对性地开展金融生态环境建设工作。     

基于网络环境下社会保障基金财务管理

笔者从事社会保障财务管理工作,网络经济的发展已逐步深入到社会生活的每个角落,而社会保障工作在中国尚属朝阳事业,如何让两者结合一起,充分发挥网络在财务管理方面的优势作用,是社会保障工作新的方略选择和改革探索的新领域。结合中国当前社会保障工作实践,本文从网络化经济时代的需求分析了中国社会保障体系建设中存在的一些问题,并提出了社会保障财务管理工作的战略规划建议。     

改革开放前我国教育财政体制的演变与特征

建国后,在计划经济体制下,我国教育财政体制模式的选择与演变经历了“统收统支、三级管理”和“条块结合、以块为主”两个阶段,形成了中央集权的国家教育财政体制。这种体制的特征主要有:一是统收统支、高度集中;二是直接管理、年度平衡;三是完全指令、条块分割;四是两条腿走路,多渠道筹资。这种体制既推动了当时教育的发展,又日益显露弊端,这一时期教育财政制度安排的种种尝试,为改革开放后我国教育财政体制改革提供了宝贵的经验。     

"二元制"财务机构设置的理论与实践分析

管理学关于管理职能的理论是财务机构设置的理论基础,在对该理论阐述的基础详细地分析了会计属于企业的服务子系统,而财务属于企业的支持子系统,作为企业服务子系统的会计和作为支持子系统的财务有其各自的职能领域,所以应该在实践中将其有效地分开,即财务机构必须进行二元制的设置,并通过东西方企业实际情况的对比和所进行的社会调查,提出在市场经济环境下,财务与会计机构分设的二元制结构是当前我国大中型企业必然的选择,并且进一步提出了财务部门和会计部门各自的职责权限。     

随机模糊折现现金流融资决策模型建立及求解

企业未来投资收益既具有随机性又表现出一定的模糊性,而将未来单位资本投资收益率定义为随机模糊变量,按照企业发展的特点将其分为低、中、高三个阶段,并在随机模糊环境下建立了融资决策模型,最后利用基于随机模糊模拟的SPSA算法对模型进行求解,结合算例对算法的有效性进行了解释。     

试论财务人员职业道德建设

本文从当前会计职业道德的现状出发,探讨了会计职业道德规范的内容及会计职业道德建设的途径,提高对会计职业道德建设重要性的认识;加强职业道德教育,增强财会人员使命感;提出构建我国会计职业道德体系框架结构的设想。     

关于金融债权维权的思考

金融债权维护难是当前金融业面临的普遍问题,也是创建金融安全区的极大障碍,文章在深入探讨金融债权维护难的原因基础上,有针对性地提出一些对策和建议。     

国际金融业的产业融合对我国金融业的启示

自20世纪80年代起,发达国家的金融业由产业分立转向产业融合,产业融合成为国际金融业发展的主流。改革开放以来,我国金融业发展迅速,处于产业分立阶段。进入21世纪,我国金融业已经出现了产业融合的萌芽,但是产业融合还未成为金融业的主要发展潮流。论文首先分析国际金融业的产业融合趋势及效应,进而探讨了我国金融业的融合现状,指出了阻碍我国产业融合产生与发展的因素,并在此基础上提出相应的政策与建议。