家庭理财效率提升策略研究——基于大庆650居民调研分析

随着大庆居民可用理财资金的不断增加,理财品种的多样化使更多的居民投入到理财市场中。针对大庆居民理财中存在的居民理财意识有待提高、居民理财渠道单一、理财人员业务素质不高、行业监管标准不统一等问题,应提高居民的理财观念,优化居民理财结构,提高从业人员的业务素质,创造良好的法制条件,实行理财产品差异化服务,以提升大庆居民的理财效率。

Strategies for Improving Family Financing Efficiency Based on a Survey of 650 Residents in Daqing

With an increase of disposable money for investment, more residents in Daqing , attracting by various financial products , put their money in the financial market. However, the financing awareness of the residents is weak;the financing channel is single;the profes-sional quality of financial personnel is poor;the regulatory standards are not unified. The financing efficiency of Daqing residents could be promoted by raising financing concept of the residents, optimizing their financing structure, enhancing the professional skills of financial personnel, creating a favorable legal environment, and by providing differentiated services for financial products.