城市中低收入家庭教育投资理财的问题与策略

发布时间：2018-01-20 03:50

本文关键词： 城市中低收入家庭教育投资组合理财　出处：《新金融》2014年02期 　论文类型：期刊论文

【摘要】：城市中低收入家庭的教育投资理财方式以银行储蓄为主。家庭理财目标以保证资金安全为主,即保证资金可满足家庭生活需求;保证资金总量稳中有增;保证资金价值稳定。家庭选择教育投资理财方式的基础是收入水平,参考是以接受亲友推介为主。家庭的理财能力有限、教育金融的法律体系欠完善等因素造成城市家庭在理财中面临一定的困难,理财质量和水平不高。因此,在理财时树立资产建设型理财的观念、拓宽理财方式的信息收集渠道,变被动接受信息为主动积累信息,同时注重理财能力的培养,对提高城市中低收入家庭教育投资理财水平较有裨益。
[Abstract]:The main way of education investment and financial management in urban middle and low income families is bank savings. The goal of family financial management is to ensure the safety of funds, that is, to ensure that funds can meet the needs of family life. To ensure that the total amount of funds in a steady increase; To ensure the stability of the value of funds. Families choose education, investment and financial management based on the income level, the reference is to accept the introduction of relatives and friends, the family's financial ability is limited. Due to the imperfect legal system of education finance and other factors, urban families face certain difficulties in financial management, and the quality and level of financial management are not high. Therefore, the concept of asset construction type financial management should be established in financial management. It is beneficial to improve the level of education investment and financial management of middle and low income families in the city by widening the channels of information collection, changing passive acceptance of information into active accumulation of information, and paying attention to the cultivation of financial ability at the same time.
【作者单位】：交通银行四川省分行办公室;
【分类号】：F832.48
【正文快照】： 家庭教育投资,是家庭为特定的教育对象或教育组织进行的直接投资。内容包括:为子女支付的学费、家庭教师工资、购买书籍等费用;成年人为增加自身的知识存量或更新知识,花费在各种职业教育或者职业再培训方面的费用以及购买各种学习资料的支出等。家庭教育投资所涵盖的阶段从学

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