Studies On Investment Of Rural People

With the rapid development of rural economy in recent years, rural people has increased their disposable personal income obviously, at the same time, with the variety of financial channels, rural people have certain thoughts of investment. How to deal with the surplus money scientifically and rationally and how to preserve and increase its value will be something they always concern.To begin with, this article summarized the basic theory of residential investment and investigated the historical evolution processes and features of their financial management based on the relevant essays that are about the development of people's money planning. In addition, it put forward the opinion that people from Fujian have the income and the assets bases of the intertemporal budget choice by analyzing the situation of earnings and payment of Fujian rural people as well as the status of their savings account, thus, they need to optimize the balance of the payment structure further.Furthermore, investigating Fujian people, this article researched people's investment state and discussed their selection intents for money management products and patterns by questionnaire survey. Moreover, it summarized the characteristics of four modes of money planning products, such as "saving+ stock or fund mode", "saving+national debts mode ", " saving+private borrowing mode ", " stock or fund+other investment mode ". And then it detailed described the factors which influence people's investment, such as level of income, ages, education background, market and interest rate policy and so on.At last, the article pointed out four suggestions about rural people's investment plans according to the particularity of the countryside, firstly, activate peasants'assets and increase their income, secondly, manage money rationally on the basis of life cycle, thirdly, promote literacy and ability of money planning, finally, improve market environment and strengthen policy security.