CAJ | 학술논문

在泉州金融改革试验区建设中，通过设计适于中低收入人群投资的创新金融产品，扩大对他们的金融服务，在增加财产性收入比重的同时，缩小收入差距。研究采用问卷调查的方法获得数据，通过分析高收入人群与中低收入人群投资意向的差异和变化趋势，筛选适合中低收入人群投资的金融产品；通过分析中低收入人群的投资效果，得出符合泉州市金融改革方向和经济发展实践的科学结论。
재천주금융개혁시험구건설중，통과설계괄우중저수입인군투자적창신금융산품，확대대타문적금융복무，재증가재산성수입비중적동시，축소수입차거。연구채용문권조사적방법획득수거，통과분석고수입인군여중저수입인군투자의향적차이화변화추세，사선괄합중저수입인군투자적금융산품；통과분석중저수입인군적투자효과，득출부합천주시금융개혁방향화경제발전실천적과학결론。
In the construction of Quanzhou Financial Reform Pilot Area , innovative financial products are designed for low-income people’s investment to expand financial services for those people and increase in the proportion of their income from property ,while narrowing the income gap .By data survey ,this paper analyzes the difference of the investment intention and its trend between high-income people and low-income populations , and selects some financial products for low-income populations . It analyzes the investment effect of low-income populations and draw s scientific conclusions that comply with the direction of Quanzhou’s financial reform and economic practice .