中国家庭抵御通货膨胀之金融策略研究
发布时间:2018-12-14 20:43
【摘要】:近年来,随着居民食品价格和居住类价格的持续上涨,我国CPI指数持续上升,显示我国经济开始出现通货膨胀。而伴随着生活必需品价格的快速上涨,居民收入水平并没有明显提升,并且投资类产品价格也出现了上涨。这些价格的涨幅已经大大超过居民家庭的收入上涨的趋势,居民可支配收入的购买力在逐步下降。这种矛盾的出现加大了居民家庭对以理财规划为主的家庭金融策略的需求,也给居民生活造成了多方面的影响。在这样的背景下,“家庭金融”的合理规划就显得非常重要。目前我国金融市场经过三十年的改革开放,已经发展为世界第二大经济体,可以提供较为全面的金融投资工具。居民家庭可以通过储蓄、商业保险、养老保险、房产、股票和基金、黄金等投资方式来使资产保值增值。 在通货膨胀背景下,在居民家庭生活中对于医疗、房产、子女教育、养老等多方面的生活必须规划安排前提下,如何通过行之有效家庭金融策略来规避通货膨胀风险,如何通过投资理财来使自己的财富能够实现保值增值,是当前家庭投资理财亟待思考的现实问题。家庭投资理财的发展,一方面需要科学合理的规划家庭理财机制,建立适合的理财方式,同时另一方面也需要金融机构提供更多的理财产品,完善投资环境,,优化家庭投资资金的使用配置,提高投资收益率,才能最大限度地实现家庭财产使用效益的最大化。 家庭金融本文主要是研究我国家庭如何通过金融工具来完成家庭需求的规划,包括家庭需要的储蓄、借贷、投资、保险等金融业务。通过研究目前我国居民家庭的金融情况,可以发现,目前我国居民家庭存在储蓄比例过高、热衷投资置房、缺乏长期财务规划以及教育问题、医疗保险问题等问题。本文通过详细了解债券、银行存款、股票、基金、房地产投资、期货投资、艺术品投资等金融工具的具体特点后,根据不同时期的理财目标进行规划设计投资组合,同时充分考虑居民的实际理财投资能力、风险承受能力、财务能力等,进行完整的理财规划。最后根据详细案例规划,介绍家庭金融的全部过程。根据人生规划的不同阶段,设计每一个阶段需要达成的理财目标和投资方式。综合考虑家庭整理的财务分析数据,制定理财目标和投资项目,并且定期进行修正。
[Abstract]:In recent years, with the rising of food price and housing price, the CPI index of our country is rising, which indicates that the economy of our country is beginning to appear inflation. With the rapid increase in the price of necessities, the income level of residents has not increased significantly, and the price of investment products has also risen. These price increases have far outstripped the upward trend of household incomes, which are gradually declining in the purchasing power of disposable income. The emergence of this contradiction has increased the demand of the household financial strategy based on financial planning, and has also caused a variety of impacts on the residents' life. In this context, the rational planning of "household finance" is very important. At present, after 30 years of reform and opening up, our financial market has developed into the second largest economy in the world, which can provide more comprehensive financial investment tools. Household savings, commercial insurance, pension insurance, real estate, stocks and funds, gold and other forms of investment to maintain and increase the value of assets. Under the background of inflation, how to avoid the risk of inflation through effective family finance strategy under the premise that medical care, real estate, children's education, pension and other aspects of life must be planned and arranged in the household life of residents, How to maintain and increase the value of one's wealth through investment and financial management is a realistic problem that needs to be considered urgently. The development of family investment and financial management requires, on the one hand, scientific and rational planning of family financial management mechanisms and the establishment of appropriate financial management methods; on the other hand, it also needs financial institutions to provide more financial products and improve the investment environment. Only by optimizing the use and allocation of family investment funds and increasing the return rate of investment can the maximum benefit of household property be maximized. This paper mainly studies how to use financial instruments to complete the family needs planning, including savings, loans, investment, insurance and other financial services. By studying the current financial situation of the resident families in our country, we can find that there are some problems such as the high proportion of savings, the keen to invest in housing, the lack of long-term financial planning, the problems of education, medical insurance and so on. After understanding the specific characteristics of financial instruments such as bonds, bank deposits, stocks, funds, real estate investments, futures investments, art investments, and so on, this paper plans and designs the investment portfolio according to the financial objectives of different periods. At the same time, full consideration of residents' actual financial investment ability, risk bearing capacity, financial capacity, etc. to carry out a complete financial planning. Finally, according to the detailed case planning, introduce the whole process of household finance. According to the different stages of life planning, design financial objectives and investment methods to be achieved in each stage. Consider the financial analysis data, set financial goals and investment items, and revise them regularly.
【学位授予单位】:吉林大学
【学位级别】:硕士
【学位授予年份】:2013
【分类号】:F822.5;F832
[Abstract]:In recent years, with the rising of food price and housing price, the CPI index of our country is rising, which indicates that the economy of our country is beginning to appear inflation. With the rapid increase in the price of necessities, the income level of residents has not increased significantly, and the price of investment products has also risen. These price increases have far outstripped the upward trend of household incomes, which are gradually declining in the purchasing power of disposable income. The emergence of this contradiction has increased the demand of the household financial strategy based on financial planning, and has also caused a variety of impacts on the residents' life. In this context, the rational planning of "household finance" is very important. At present, after 30 years of reform and opening up, our financial market has developed into the second largest economy in the world, which can provide more comprehensive financial investment tools. Household savings, commercial insurance, pension insurance, real estate, stocks and funds, gold and other forms of investment to maintain and increase the value of assets. Under the background of inflation, how to avoid the risk of inflation through effective family finance strategy under the premise that medical care, real estate, children's education, pension and other aspects of life must be planned and arranged in the household life of residents, How to maintain and increase the value of one's wealth through investment and financial management is a realistic problem that needs to be considered urgently. The development of family investment and financial management requires, on the one hand, scientific and rational planning of family financial management mechanisms and the establishment of appropriate financial management methods; on the other hand, it also needs financial institutions to provide more financial products and improve the investment environment. Only by optimizing the use and allocation of family investment funds and increasing the return rate of investment can the maximum benefit of household property be maximized. This paper mainly studies how to use financial instruments to complete the family needs planning, including savings, loans, investment, insurance and other financial services. By studying the current financial situation of the resident families in our country, we can find that there are some problems such as the high proportion of savings, the keen to invest in housing, the lack of long-term financial planning, the problems of education, medical insurance and so on. After understanding the specific characteristics of financial instruments such as bonds, bank deposits, stocks, funds, real estate investments, futures investments, art investments, and so on, this paper plans and designs the investment portfolio according to the financial objectives of different periods. At the same time, full consideration of residents' actual financial investment ability, risk bearing capacity, financial capacity, etc. to carry out a complete financial planning. Finally, according to the detailed case planning, introduce the whole process of household finance. According to the different stages of life planning, design financial objectives and investment methods to be achieved in each stage. Consider the financial analysis data, set financial goals and investment items, and revise them regularly.
【学位授予单位】:吉林大学
【学位级别】:硕士
【学位授予年份】:2013
【分类号】:F822.5;F832
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