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2010年中央“1号文件”首次提出“新生代农民工”概念。据有关资料显示:全国新生代农民工已达1亿,占全部农民工的60%。陕西省渭南市是经济、金融欠发达地区,外出务工已成为农民增收的主要手段,每年有近100万人外出务工,其中绝大多数为新生代农民工。据对全市1000名新生代农民工问卷调查情况反映,由于生活环境、文化层次、消费理念等差异,新生代农民工的金融需求与其父辈相比发生了根本性的变化,同时,新生代农民工的特点决定其获得金融服务的难度也在加大,本文对此进行了分析并提出相关建议。
In 2010, the central government put forward the concept of “new generation of migrant workers” for the first time. According to relevant information, the number of new generation of migrant workers nationwide has reached 100 million, accounting for 60% of all migrant workers. Weinan City, Shaanxi Province, is an economically and financially underdeveloped region. Migrant workers have become the main means of increasing peasants’ income. Nearly 1 million people go out to work each year, the vast majority of whom are new-generation migrant workers. According to a survey of 1,000 new-generation migrant workers in the city, the financial needs of the new generation of migrant workers have undergone fundamental changes compared with their fathers due to the differences in living environment, cultural level and consumption concept. At the same time, the new generation of migrant workers The characteristics of its decision to obtain financial services is also more difficult, this article conducted an analysis and make recommendations.