个人理财规划研究
发布时间：2019-01-16 04:22
【摘要】： 中华民族历来崇尚“集腋成裘,集沙成塔”的坚韧和耐性,习惯于省吃俭用来积攒财产;更习惯于精打细算,分毫斟酌地使用和安排财产。但随着时代前进的步伐,尤其是进入21世纪以来,伴随着我国经济的快速增长,居民财富的急剧膨胀,现代的中国人在保留艰苦朴素传统美德的同时,也掘弃了将传统的银行储蓄作为个人财产保值、增值之唯一手段的古老方式。与此同时,随着市场化改革进程的推进和社会保障体系的建立,国家已不可能为家庭提供完全的风险保障。当越来越多的人们在满足基本生活之外有了财富以后,当人们开始自己买房、负担子女教育费用、承担部分医疗费用、自己安排一生之后……越来越多的人们需要在其财产保值、增值的基础上,通过投资理财手段化解不确定性对生活产生的危害。于是个人理财规划便应运而生。忽如一夜春风来,不知从哪天起,诸如“管好自己的钱”,“让钱生更多的钱”,便成了从工薪阶层到都市新贵们普遍膨胀的热望。在这种形势下,如何进行个人理财规划就成为人们日常生活所关注的重点,也是本文希望讨论的问题。 本文的主要内容和结构安排如下: 第一部分绪论部分。对论文的选题背景及研究意义、国内外研究现状、论文的研究思路和研究框架做了相关阐述。 第二部分为个人理财规划的理论综述。这部分对个人理财规划的概念进行了界定,介绍了个人理财规划的方法以及基本原则。 第三部分为主要理财工具的比较分析。这部分采用比较分析法,对我国现有的理财工具进了梳理,比较各种理财工具的风险及收益并制定了相应的策略。 第四部分为个人理财规划的研究及应用。从投资规划、住房规划、教育规划、保险规划、退休计划、遗产规划六个方面对个人理财规划进行了具体研究和运用。 第五部分为个人理财规划方案的设计。在前面分析的基础之上,设计出个人理财规划的基本步骤,并结合实例设计个人理财规划方案。 最后结论部分对我国的个人理财规划业务进行了总结,肯定了个人理财规划业务的巨大发展空间,并对我国个人理财业务特别是专业理财业务的监管与发展提出建议。
[Abstract]:The Chinese nation has always advocated the tenacity and patience of "collection into a fur and a collection of sand towers," and is used to saving money to accumulate property. However, with the advance of the times, especially since the beginning of the 21st century, with the rapid economic growth of our country and the rapid expansion of the wealth of the residents, the modern Chinese people retain the traditional virtues of hard work and plain living at the same time. It also discards the old way of using traditional bank savings as the only way to preserve and increase value of personal property. At the same time, with the advancement of market-oriented reform and the establishment of social security system, it is impossible for the state to provide complete risk protection for families. When more and more people have wealth beyond meeting their basic needs, when they begin to buy their own homes, pay for their children's education, pay part of their medical expenses, and arrange their own lives. More and more people need to resolve the harm of uncertainty to their lives by means of investment and financial management on the basis of maintaining and increasing the value of their property. So personal financial planning came into being. All of a sudden, it was like a spring breeze, and from which time, such as "manage your own money" and "make more money for money", it became a popular desire from the working class to the city's upstarts. In this situation, how to carry out personal financial planning has become the focus of people's daily life, is also the issue this paper hopes to discuss. The main contents and structure of this paper are as follows: the first part is the introduction. The background and significance of the research, the current situation of research at home and abroad, the research ideas and research framework are expounded. The second part is the summary of the theory of personal financial planning. This part defines the concept of personal finance planning, introduces the methods and basic principles of personal finance planning. The third part is the comparative analysis of the main financial tools. This part uses the comparative analysis method, combs the existing financial tools in China, compares the risks and benefits of the various financial tools and formulates the corresponding strategies. The fourth part is the research and application of personal financial planning. From the investment planning, housing planning, education planning, insurance planning, retirement planning, heritage planning six aspects of personal financial planning for specific research and application. The fifth part is the design of personal financial planning. Based on the previous analysis, the basic steps of personal finance planning are designed, and the personal financial planning scheme is designed with an example. In the last part, the author summarizes the business of personal finance planning in our country, affirms the huge development space of the business of personal finance planning, and puts forward some suggestions on the supervision and development of personal finance business, especially the professional financial management business in our country.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2008
【分类号】：F832.48
本文编号：2409457
[Abstract]:The Chinese nation has always advocated the tenacity and patience of "collection into a fur and a collection of sand towers," and is used to saving money to accumulate property. However, with the advance of the times, especially since the beginning of the 21st century, with the rapid economic growth of our country and the rapid expansion of the wealth of the residents, the modern Chinese people retain the traditional virtues of hard work and plain living at the same time. It also discards the old way of using traditional bank savings as the only way to preserve and increase value of personal property. At the same time, with the advancement of market-oriented reform and the establishment of social security system, it is impossible for the state to provide complete risk protection for families. When more and more people have wealth beyond meeting their basic needs, when they begin to buy their own homes, pay for their children's education, pay part of their medical expenses, and arrange their own lives. More and more people need to resolve the harm of uncertainty to their lives by means of investment and financial management on the basis of maintaining and increasing the value of their property. So personal financial planning came into being. All of a sudden, it was like a spring breeze, and from which time, such as "manage your own money" and "make more money for money", it became a popular desire from the working class to the city's upstarts. In this situation, how to carry out personal financial planning has become the focus of people's daily life, is also the issue this paper hopes to discuss. The main contents and structure of this paper are as follows: the first part is the introduction. The background and significance of the research, the current situation of research at home and abroad, the research ideas and research framework are expounded. The second part is the summary of the theory of personal financial planning. This part defines the concept of personal finance planning, introduces the methods and basic principles of personal finance planning. The third part is the comparative analysis of the main financial tools. This part uses the comparative analysis method, combs the existing financial tools in China, compares the risks and benefits of the various financial tools and formulates the corresponding strategies. The fourth part is the research and application of personal financial planning. From the investment planning, housing planning, education planning, insurance planning, retirement planning, heritage planning six aspects of personal financial planning for specific research and application. The fifth part is the design of personal financial planning. Based on the previous analysis, the basic steps of personal finance planning are designed, and the personal financial planning scheme is designed with an example. In the last part, the author summarizes the business of personal finance planning in our country, affirms the huge development space of the business of personal finance planning, and puts forward some suggestions on the supervision and development of personal finance business, especially the professional financial management business in our country.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2008
【分类号】：F832.48
【引证文献】
相关硕士学位论文 前1条
1 毛婷瑜;面向个人理财的智能混合系统的研究[D];东华大学;2011年
，本文编号：2409457
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