关于我国“421”家庭理财规划的研究

发布时间：2018-05-13 05:10

本文选题：“421” + 家庭模式　；参考：《首都经济贸易大学》2014年硕士论文

【摘要】：由于中国计划生育政策的实施，使得中国传统的家庭结构受到了颠覆性改变，“421”家庭模式已经逐渐成为我国目前主要的家庭模式。随着改革开放程度的深入、市场经济体制的完善以及国内居民收入水平的提高，“421”家庭的可支配收入和家庭金融资产也得到同步增长。但对于“421”家庭而言，收入的增加并没有提升家庭的幸福指数，这是因为“421”家庭既要承担养育子女、赡养父母的责任，还要肩负改善家庭生活水平的压力，如何解决“421”家庭的财务困扰、实现财富自由是丞待解决的问题。鉴于“421”家庭模式的特殊性，要想真正拥有财富自由，进行合理的家庭理财投资规划是十分必要的。然而，我国家庭理财业务尚处于起步阶段、投资环境和投资方式尚不成熟，且投资者不具备相应的理财专业知识和风险抵御能力，因此，我国的家庭理财业务发展缓慢，从而制约了“421”家庭的理财投资活动。本文基于对我国“421”家庭理财需求特殊性的考虑，借鉴国外先进家庭理财经验，并结合我国目前理财市场的投资环境进行综合分析，力求为我国“421”家庭提供一个较为完整、安全、有效的理财规划方案。本文针对我国“421”家庭理财规划展开分析研究。首先，阐述了“421”家庭进行家庭理财规划的研究意义、现状和方法，界定了家庭理财规划的概念，，并综述了家庭理财规划的相关理论依据。其次，分别阐述了国内外家庭理财规划的发展现状，并对国内外家庭理财规划进行了差异化分析，同时，详尽分析了我国家庭理财规划的相关内容。再次，通过典型案例进一步分析“421”家庭理财规划的制定过程，并给出“421”家庭模式下的合理投资策略。最后，根据“421”家庭模式的特点，给出相应的家庭理财规划建设性意见，同时，展望了我国家庭理财规划的发展前景。作者本人以期此文能够对“421”家庭在理财规划的实践方面有所指导意义。
[Abstract]:As a result of the implementation of China's family planning policy, the traditional family structure in China has been changed subversely, and the "421" family model has gradually become the main family model in China. With the deepening of reform and opening up, the perfection of market economy system and the improvement of income level of domestic residents, the disposable income and family financial assets of 421 families have also been increased simultaneously. For "421" families, however, the increase in income did not improve the family's happiness index because "421" families had to bear the responsibility of raising children, supporting their parents and carrying the pressure to improve their family's standard of living. How to solve the financial distress of 421 family and realize wealth freedom are the problems to be solved. In view of the particularity of 421 family model, it is necessary to make reasonable family financial investment planning if we want to have real wealth freedom. However, the family finance business in our country is still in the initial stage, the investment environment and investment mode are not mature, and the investors do not have the corresponding financial management professional knowledge and the ability to resist risks, therefore, the development of the family finance business in our country is slow. Thus restricting the "421" family financial investment activities. Based on the consideration of the particularity of the "421" family finance demand in China, this paper draws lessons from the advanced family financial management experience of foreign countries and makes a comprehensive analysis on the investment environment of our country's current financial management market. To provide a complete, safe and effective financial planning scheme for 421 families in China. This article aims at our country's 421 family finance plan carries on the analysis research. First of all, the research significance, present situation and methods of "421" family financial planning are expounded, the concept of family financial planning is defined, and the relevant theoretical basis of family financial planning is summarized. Secondly, the development status of family financial planning at home and abroad is expounded, and the difference analysis of family financial planning is carried out at home and abroad. At the same time, the related contents of family financial planning in China are analyzed in detail. Thirdly, the process of making 421 family financial planning is further analyzed through typical cases, and the reasonable investment strategy under 421 family model is given. Finally, according to the characteristics of "421" family model, the constructive suggestions of family financial planning are given, and the development prospects of family financial planning in China are prospected. The author hopes that this article can guide 421 families in the practice of financial planning.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.48

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