家庭资产配置的风险管理研究

发布时间：2018-10-15 18:11

【摘要】：本文有效的结合了现阶段我国家庭理财的实际状况,运用投资与风险管理对家庭资产配置过程中存在的风险进行了全面的分析与研究,并有针对性的提出了防范家庭资产配置风险、提高财富管理水平的对策建议。我们首先对家庭资产配置的基本概念、理论基础以及发展概况进行了介绍分析;接下来我们对中美家庭资产配置的风险管理进行了详细的比较研究,希望美国一些成熟的风险管理理念可以对我国家庭资产配置管理带来重要的学习价值;然后我们从收入因素、风险偏好因素以及经济周期因素对家庭理财的潜在风险做出了预测分析,并具体介绍了家庭资产配置风险的实际表现;最后我们就家庭资产优化配置方式进行分析,并基于家庭资产配置的风险问题提出了有效的管理防范措施,并探讨了家庭资产配置管理防范之下最为有效的实践途径。
[Abstract]:This paper effectively combines the actual situation of family finance in our country at present, and makes a comprehensive analysis and research on the risks in the process of family asset allocation by using investment and risk management. At the same time, the paper puts forward countermeasures and suggestions to prevent the risk of household asset allocation and improve the level of wealth management. First of all, we introduce and analyze the basic concept, theoretical basis and general situation of household asset allocation. Then we make a detailed comparative study on the risk management of household asset allocation between China and the United States. I hope that some mature risk management concepts in the United States can bring important learning value to our household asset allocation management; then we can start with the income factor. Risk preference factors and business cycle factors predict and analyze the potential risks of household finance, and introduce the actual performance of household asset allocation risk. Finally, we analyze the optimal allocation of household assets. Based on the risk of household asset allocation, this paper puts forward effective measures of management and prevention, and probes into the most effective practical approach under the management and prevention of household asset allocation.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：TS976.15

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