How can migrant workers manage and use their bulging "money bags"?
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Compared with their parents, the new generation of migrant workers are more willing to enjoy life.
When you are single, you spend a lot of money. After getting married, your expenses increase and you are stretched. In special circumstances, the "money bag" has insufficient anti-risk ability.
In this regard, the deputies suggested that the skills training system should be improved, financial management training should be strengthened, and the quality of urbanization of agricultural migrants should be improved.
In this year's government work report, it is proposed that the majority of farmers must have more channels for working and increasing their income.
In 2021, the average monthly income of migrant workers nationwide will reach 4,432 yuan, an increase of 8.8% over the previous year.
While continuing to increase income, how to manage and use the bulging "money bag" has become a "must answer" for migrant workers.
A number of delegates said that it is necessary to build a sound vocational skills training system for migrant workers to help migrant workers accumulate and improve human capital; to strengthen financial management training for migrant workers to help them establish correct financial management concepts and methods; to improve rights protection and public services Equalize the level, improve the quality of urbanization of the agricultural transfer population, and let the “money bag” of migrant workers continue to rise, manage and use it well.
"Earning 5,000 yuan a month, you can only save 10,000 yuan at the end of the year"
"There are migrant workers around me who have gone out to work for more than 10 years, and they have indeed made some money, but they have not saved much." Su Ronghuan, deputy to the National People's Congress, assistant general manager and environmental engineer of Guangdong Foshan Kewei Optoelectronics Co., Ltd., told the "Workers Daily" the reporter said.
This year, he turned his attention to the topic of "expanding the middle-income group", and the income of migrant workers became his focus.
According to the latest data released by the National Bureau of Statistics, the average monthly income of migrant workers nationwide will reach 4,432 yuan in 2021, an increase of 8.8% over the previous year.
As the "money bag" gradually swells, how to manage and use money well has become a "must-answer" for migrant workers.
"This question is not easy to answer. There are migrant workers around who can earn 5,000 yuan a month, but they can only save about 10,000 yuan by the end of the year." Yuanjiaying, deputy to the National People's Congress, Tuanjie Village, Ciying Town, Qilin District, Qujing City, Yunnan Province Yuan Haibo, a villager in the villagers group, was quite touched by this.
Compared with their parents, the new generation of migrant workers are more willing to enjoy life.
"The older generation can still save money, but the young people's awareness of saving money is not very strong." Representative Yuan Haibo said.
The income is relatively stable or even rising, but at the end of the year, it is still "empty pockets"; when you are single, you spend a lot of money, and when you get married, your expenses increase, and you are stretched; It is found that "saving money is not easy" has become a real problem faced by many migrant workers.
"The new generation of migrant workers are keen on entertainment and leisure consumption, and a lot of their hard-earned money is spent on KTV singing, partying and dining, and shopping for fashionable electronic products." The representatives pointed out.
"Some migrant workers have become 'moonlight clan' or even 'moon debt clan'. They need to pay off the previous month's loan each month before adding up their livelihoods this month." Representative Yuan Haibo told reporters.
Dai Xiuying, a member of the National Committee of the Chinese People's Political Consultative Conference, also found in her research that some migrant workers do not have long-term plans, so they spend the money they earn and end up empty-handed.
There are also some migrant workers who invest blindly to do business. Due to unfamiliarity with the industry, lack of business experience, and poor market information, their money is quickly lost.
Increased consumer demand, limited means to increase income
"Many migrant workers feel that their hardships have been too long. After earning money, they hope to live a good life quickly. Most of them will choose to improve their material life first." Commissioner Dai Xiuying pointed out.
Representative Su Ronghuan agreed.
His research found that the new generation of migrant workers entered the society at a younger age, without the pressure of starting a family and the awareness of financial management, and often felt that the money was enough to spend.
Many young people are keen to "buy, buy, buy" and follow the trend of consumption.
During the interview, the reporter learned that while migrant workers have the will to change their living conditions, urban life has also presented them with many challenges—the need to pay for water and electricity when renting a house, they are too busy with work and can only order takeaways, and they have an expanded social circle. More gathering needs - all aspects put forward higher requirements for managing and using the "money bag" well.
"Migrant workers lack financial awareness and experience, and are limited by their education level. They are not able to receive financial information, have limited channels, and have limited means to increase their income." Representative Yuan Haibo believes.
The deputies said that the level of security faced by migrant workers is still insufficient. They bear the pressure of raising children and supporting their parents, and their ability to resist risks is weak. Therefore, they need to learn to manage and use their "money bags" well.
In this regard, Dai Xiuying believes that the yearning for a better life is the normal pursuit of all people, and migrant workers have the right to decide how to use their income.
However, for the long-term, it is still necessary to find a balance between "revenue", "consumption", "saving" and "investment".
"Raising the incomes of low-income groups and expanding the middle-income groups are both important." The interviewed representatives said that ensuring a stable increase in the income of farmers, including migrant workers, is an important part of achieving common prosperity.
Multi-party efforts to stabilize the "money bag" of migrant workers
This year's government work report proposes that to strengthen the governance of migrant workers' wage arrears and support migrant workers to find jobs and start businesses, we must provide more channels for farmers to work and increase their income.
"First of all, we need to continue to protect wages and income, so that there is money in the 'bag'; secondly, we must increase the income and prevent the 'bag' from being deflated." Committee member Dai Xiuying believes.
A happy life is achieved through struggle. Representative Su Ronghuan, who has grown from a front-line skilled worker to a national labor model, has a deep understanding of this.
"When I first started working, my salary was more than 1,000 yuan, and I would buy books to study every month. This habit has persisted until now." He believes that the real ability of continuous growth is the key to improving the ability of "cash entry". "Young people should Keep learning and don't spend all the money you earn on material things."
Representative Su Ronghuan suggested that more migrant workers should improve their skills through vocational education, so as to achieve stable employment and increase their income.
Kong Falong, deputy to the National People's Congress and chairman of Jiangxi Rural Credit Cooperative Association, also believes that it is necessary to increase the investment of special financial funds, build and improve the vocational skills training system for migrant workers, and help migrant workers accumulate and improve human capital to obtain higher-quality employment. and higher levels of income.
In addition, "the protection and equalization of rights and interests are the basic requirements for migrant workers to increase their income." Representative Su Ronghuan suggested that the reform of the household registration system should be deepened to ensure that migrant workers, their families and children settle in cities; Equalization of public services such as medical care and social security; construction of affordable housing for migrant workers.
"Living within one's means is the top priority of financial management, and being able to spend money is also a knowledge in financial management." Committee member Dai Xiuying suggested that migrant workers find out their family background, learn to keep accounts, manage money reasonably, invest prudently, and continuously realize their yearning and pursuit of a better life.
(This newspaper, Beijing, March 10th)