家庭理财开发方案设计
发布时间：2019-06-06 06:53
【摘要】：顾名思义，理财最通俗的认识就是以打理财产为中心，运用经济学，会计学，财务管理等学科知识对财富进行科学合理的配置，从而实现个人财富的不断增值和保值。同时通过对不同时期的现金流进行分析，通过融入资金或者融出资金来实现某一时期的购买或者投资目标。就其目的来说，无非是实现子女成长的支出所需，化解未来个人养老压力，过上无忧无虑的幸福生活，实现人生的财务自由。 遗憾的是，虽然当前社会背景下众多家庭有着多种多样的理财需求，社会上也存在有银行，证券，，保险，信托等多渠道的理财机构，但是金融市场的法制不健全，金融机构分业经营带来的混乱管理，个人理财知识的欠缺，金融机构盲目追求眼前利益造成的市场信用缺失以及市场信息不对称等诸多因素严重地制约了当前家庭理财市场的发展。一方面不满满足家庭合理的理财需求，另一方面也使理财机构不能提供科学，合理专业化的服务，导致国内理财机构与国际同行相比始终处于一个低水平状态。 因此，本方案设计从当前家庭理财市场的发展背景出发，剖析当前家庭理财市场存在的乱象和原因，以高等院校，社区义工组织为纽带，将家庭的理财需求与金融机构的市场开发相关联，建立起二者的信任机构和沟通机制，制定出一套既能够解决家庭的理财需求，同时也为金融机构提供一条行之有效的市场开发途径。
[Abstract]:As the name implies, the most popular understanding of financial management is to use the knowledge of economics, accounting, financial management and other disciplines to allocate wealth scientifically and reasonably, so as to realize the continuous appreciation and preservation of personal wealth. At the same time, through the analysis of cash flow in different periods, through the integration of funds or financing of funds to achieve a certain period of purchase or investment objectives. As far as its purpose is concerned, it is nothing more than the need to realize the expenditure of children's growth, to resolve the pressure of personal pension in the future, to lead a carefree and happy life, and to realize the financial freedom of life. Unfortunately, although many families have a variety of financial needs under the current social background, there are also banks, securities, insurance, trust and other multi-channel financial institutions, but the legal system of the financial market is not perfect. The chaotic management caused by the separate operation of financial institutions, the lack of personal financial management knowledge, Many factors, such as the lack of market credit and the asymmetry of market information caused by the blind pursuit of immediate interests by financial institutions, seriously restrict the development of the current family financial market. On the one hand, it is not satisfied to meet the reasonable financial needs of families, on the other hand, it also makes financial institutions unable to provide scientific and reasonable professional services, resulting in domestic financial institutions have always been in a low level compared with their international counterparts. Therefore, based on the development background of the current family financial market, the design of this scheme analyzes the chaos and causes of the current family financial market, and takes institutions of higher learning and community volunteer organizations as the link. Linking the financial needs of families with the market development of financial institutions, establishing trust institutions and communication mechanisms between the two, and formulating a set of financial needs that can solve the financial needs of families. At the same time, it also provides an effective way for financial institutions to develop the market.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：TS976.15;F832
本文编号：2494153
[Abstract]:As the name implies, the most popular understanding of financial management is to use the knowledge of economics, accounting, financial management and other disciplines to allocate wealth scientifically and reasonably, so as to realize the continuous appreciation and preservation of personal wealth. At the same time, through the analysis of cash flow in different periods, through the integration of funds or financing of funds to achieve a certain period of purchase or investment objectives. As far as its purpose is concerned, it is nothing more than the need to realize the expenditure of children's growth, to resolve the pressure of personal pension in the future, to lead a carefree and happy life, and to realize the financial freedom of life. Unfortunately, although many families have a variety of financial needs under the current social background, there are also banks, securities, insurance, trust and other multi-channel financial institutions, but the legal system of the financial market is not perfect. The chaotic management caused by the separate operation of financial institutions, the lack of personal financial management knowledge, Many factors, such as the lack of market credit and the asymmetry of market information caused by the blind pursuit of immediate interests by financial institutions, seriously restrict the development of the current family financial market. On the one hand, it is not satisfied to meet the reasonable financial needs of families, on the other hand, it also makes financial institutions unable to provide scientific and reasonable professional services, resulting in domestic financial institutions have always been in a low level compared with their international counterparts. Therefore, based on the development background of the current family financial market, the design of this scheme analyzes the chaos and causes of the current family financial market, and takes institutions of higher learning and community volunteer organizations as the link. Linking the financial needs of families with the market development of financial institutions, establishing trust institutions and communication mechanisms between the two, and formulating a set of financial needs that can solve the financial needs of families. At the same time, it also provides an effective way for financial institutions to develop the market.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：TS976.15;F832
【引证文献】
相关期刊论文 前1条
1 刘勰东;;探讨家庭财经管理理念在投资组合保险中的应用[J];财经界(学术版);2017年01期
相关硕士学位论文 前1条
1 刘海沫;包头市城镇居民家庭理财问题研究[D];内蒙古财经大学;2016年
本文编号：2494153
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