CAJ | 학술논문

从新形势下农民工金融服务多层次需求出发，分析了当前农民工金融服务体系存在的金融产品少、金融服务网络不完善、难以获得所在地金融机构贷款和获取新型金融产品信息难等问题及成因，在此基础上，提出了增强金融机构服务农民工意识、提高农民工金融知识水平、开发适用农民工的金融产品与服务、完善农民工金融服务基础设施和改善农民工金融服务环境等对策。
종신형세하농민공금융복무다층차수구출발，분석료당전농민공금융복무체계존재적금융산품소、금융복무망락불완선、난이획득소재지금융궤구대관화획취신형금융산품신식난등문제급성인，재차기출상，제출료증강금융궤구복무농민공의식、제고농민공금융지식수평、개발괄용농민공적금융산품여복무、완선농민공금융복무기출설시화개선농민공금융복무배경등대책。
With the rapid development of Market Economy, the scale of migrant workers is getting expanded steadily,their income going up,the demand for the financial service of multi-level gradually increas-ing.Starting from the migrant workers'multi-level demand for the financial service,this paper analysis some problems and their causes existed in current migrant workers'financial service system,including less financial products line with the current characteristics of the migrant workers,imperfect financial services network,diffi-culties in obtaining loans from financial institutions in the location and getting information of new financial prod-uct,and so on.On this basis,the paper brings forward some countermeasures including enhancing service awareness of financial institutions for the migrant workers,improving the financial knowledge level of the mi-grant workers,developing financial products and services suitable for the migrant workers,and Perfecting fi-nancial service infrastructure for the migrant workers,and improve financial service environment of the migrant workers and etc.