河北省老年人养老理财规划问题研究

发布时间：2018-05-27 08:22

本文选题：养老金缺口 + 理财规划　；参考：《河北金融学院》2014年硕士论文

【摘要】：改革开放以来,我国金融系统机制发生很大变化,先后出现了银行、证券、保险、基金等多家金融机构,以及存款、债券、股票、基金、保险、信托等多种金融产品,金融产品的日益丰富使得个人和家庭的理财产品选择更加多样化。随着河北省老年人口的快速增长、养老金缺口的日益加大,河北省老年人开始通过最优的储蓄和其他理财工具的组合,在寻求安全性的同时,追求较大的理财收益；由于老年人不具备从事理财规划的专业知识和信息优势,这就推动了河北省老年人养老理财规划业务的发展。本论文由五部分组成：第一章,绪论。阐述了调研背景、调研目的和意义、调研的理论基础和可能创新之处,并介绍了国内外以及河北省关于老年人养老理财规划业务问题的发展动态。第二章,介绍研究对象、研究思路与方法。对定性分析和定量分析做理论讲解。第三章,河北省石家庄市老年人养老理财规划的现状分析。主要是根据问卷调查结果进行分析,为第四章分析妨碍老年人养老理财规划的因素做铺垫。第四章,在第三章的基础上对妨碍老年人养老理财规划的因素进行分析,同时分析存在的问题以及产生这种问题的原因。第五章,为促进河北省老年人养老理财规划业务发展提出针对性的建议和对策、同时借鉴国外发达国家的经验,总结河北省养老理财规划发展的一般规律。本文主要通过问卷调查的方式了解河北省人口老龄化的现状、一般家庭的养老方式、理财产品种类等,并对河北省老年人养老现状进行深入的分析,同时,对比、学习、借鉴国外老年人理财规划的理论经验,探索河北省老年人理财规划投资需求,总结理财规划一般规律,为推动河北省通过老年人理财规划养老献计献策,进而为解决河北省严峻的养老问题探索出一种新的方法。
[Abstract]:Since the reform and opening up, great changes have taken place in the mechanism of China's financial system. Many financial institutions, such as banks, securities, insurance, funds, deposits, bonds, stocks, funds, insurance, trusts, and so on, have emerged successively. The increasingly rich financial products make individuals and families more diversified choice of financial products. With the rapid growth of the elderly population and the increasing gap of pension in Hebei Province, the elderly in Hebei Province began to seek greater financial benefits through the combination of optimal savings and other financial tools. Because the elderly do not have the professional knowledge and information advantage in financial planning, this promotes the development of the old-age financial planning business in Hebei Province. This thesis consists of five parts: Chapter one, introduction. This paper expounds the research background, the purpose and significance of the investigation, the theoretical basis and the possible innovation of the investigation, and introduces the development trend of the business of the old-age financial planning for the elderly both at home and abroad and in Hebei Province. The second chapter, introduces the research object, the research thought and the method. The qualitative analysis and quantitative analysis are explained in theory. The third chapter, Hebei Shijiazhuang elderly pension planning analysis of the status quo. It is mainly based on the results of the questionnaire, for the fourth chapter to analyze the elderly pension planning factors. The fourth chapter, on the basis of the third chapter, analyzes the factors hindering the elderly pension planning, and analyzes the existing problems and the causes of these problems. The fifth chapter, in order to promote the development of old-age financial planning business in Hebei Province, put forward targeted suggestions and countermeasures, at the same time, draw lessons from the experience of foreign developed countries, summed up the general law of the development of pension planning in Hebei Province. This article mainly through the questionnaire survey way to understand Hebei Province population aging present situation, the general family old-age support way, the financial management product type and so on, and carries on the thorough analysis to the Hebei Province old age pension present situation, at the same time, compares, studies, Based on the experience of foreign countries, this paper explores the investment demand of financial planning for the elderly in Hebei Province, sums up the general rules of financial planning, and makes suggestions for promoting the pension planning of the elderly in Hebei Province. In order to solve the severe pension problems in Hebei Province to explore a new method.
【学位授予单位】：河北金融学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D669.6;F832.2

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