社会主义市场条件下我国居民家庭投资理财模式研究
发布时间：2018-08-27 20:38
【摘要】：改革开放三十多年,随着中国经济的发展,人均收入持续增长,我国居民家庭财产以及货币积蓄随之增加,可供居民家庭支配的财产份额也逐步增长。而现阶段的普遍情况却是,虽然居民渴望将较多的家庭闲置资盒进行投资理财,以获取家庭收益最大化,但是家庭投资理财的方式措施尚不成熟。大多数居民对安全有效地投资理财渠道也缺少认知,从而使普通的居民家庭投资理财的行为受到很大抑制。因此,如何通过研究为我国居民家庭投资理财提供一个较为完整、安全、有效的建设性策略及方案就具有十分重要的意义。 本文就社会主义市场条件下我国居民家庭投资理财模式展开研究,阐述了居民家庭投资理财模式研究的意义、内容和方法,并界定了居民家庭投资理财的概念和目标；论述了居民家庭投资理财的相关理论背景；总结介绍了国内外投资理财的现状和存在的问题；详细分析了我国居民家庭的投资理财渠道,如储蓄、股票、基金、债券、保险、物业等,并对这几种理财渠道的收益性、流动性、风险性进行比较分析。最后,根据居民家庭不同的资产规模、投资理财模式、生命周期给出了适合我国居民家庭投资理财的组合建议。
[Abstract]:After more than 30 years of reform and opening up, with the development of China's economy, the per capita income continues to increase, the household property and monetary savings of our country increase, and the share of property available for the household to control increases step by step. However, the general situation at present is that although residents are eager to invest and manage money in order to maximize family income, the way of family investment and financial management is not yet mature. The majority of residents also lack the cognition of safe and effective investment and financial management channels, which greatly restrain the behavior of ordinary residents' investment in financial management. Therefore, it is of great significance to provide a more complete, safe and effective constructive strategy and scheme for the household investment and financial management in China. This paper studies the model of household investment and financial management in China under the condition of socialist market, expounds the significance, content and method of the study, and defines the concept and goal of household investment and financial management. This paper discusses the relevant theoretical background of household investment and financial management, summarizes the current situation and existing problems of domestic and foreign investment and financial management, and analyzes in detail the channels of investment and financial management of resident families in China, such as savings, stocks, funds, bonds, insurance, etc. Property, and these financial channels of income, liquidity, risk are compared and analyzed. Finally, according to the different asset scale, investment and financial management model of the resident family, the paper gives the combination suggestion suitable for the resident family investment and financial management in our country.
【学位授予单位】：西安石油大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F224;F832.48
本文编号：2208388
[Abstract]:After more than 30 years of reform and opening up, with the development of China's economy, the per capita income continues to increase, the household property and monetary savings of our country increase, and the share of property available for the household to control increases step by step. However, the general situation at present is that although residents are eager to invest and manage money in order to maximize family income, the way of family investment and financial management is not yet mature. The majority of residents also lack the cognition of safe and effective investment and financial management channels, which greatly restrain the behavior of ordinary residents' investment in financial management. Therefore, it is of great significance to provide a more complete, safe and effective constructive strategy and scheme for the household investment and financial management in China. This paper studies the model of household investment and financial management in China under the condition of socialist market, expounds the significance, content and method of the study, and defines the concept and goal of household investment and financial management. This paper discusses the relevant theoretical background of household investment and financial management, summarizes the current situation and existing problems of domestic and foreign investment and financial management, and analyzes in detail the channels of investment and financial management of resident families in China, such as savings, stocks, funds, bonds, insurance, etc. Property, and these financial channels of income, liquidity, risk are compared and analyzed. Finally, according to the different asset scale, investment and financial management model of the resident family, the paper gives the combination suggestion suitable for the resident family investment and financial management in our country.
【学位授予单位】：西安石油大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F224;F832.48
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