英国assignment作业：人们应该在未来60年或70年解决个人理财的主要领域

发布时间：2016-07-01 07:15

1.0 Introduction介绍

个人理财是通过分析个人收入、过程资产，负债及其他数据，它是根据个人的喜好和对风险的承受能力，结合预定目标运用储蓄、保险、证券、外汇、收藏、住房投资等多种手段管理资产和负债，以及合理的资金安排，使得个人可以接受从而在最危险的范围最大限度地提高资本收益，，（chianglin和Lin，2008；那珀穆斯诺和拉罗什，2015）。个人理财是不同于单纯的储蓄或投资，它不仅包括财富的积累，而且投资者的风险管理和控制，即在他们的生活和健康的意外，或出现不利的变化，如恶性通货膨胀，降低汇率的经济环境下，他们也是存在的，对他们的家庭生活标准会会产生严重影响（那珀穆斯诺和拉罗什，2015；szarowská，2014）。个人理财在加速人们的财富，避免财富的破坏，以及预防事故对生活质量的影响方面起着非常积极的作用。然而，融资是一个非常复杂的任务，需要大量的专业知识来确定如何确定财务目标、如何控制和规避财务风险，以及如何最大限度地发挥财务管理的经济效益等方面的问题。这方面的知识对成功的融资和投资有积极的影响。本文结合了一些财务管理理论，讨论了在未来60年或70年的建议人们需要在财务管理中的知识和技能，在此基础上提出了如何使用这些知识和技能。Personal finance is the process based on analysis on personal income, assets, liabilities and other data, it is according to individuals’ preferences and affordability towards risks and combined with predetermined targets to use savings, insurance, securities, foreign exchange, collection, housing investment and other kinds of means in managing assets and liabilities, as well as reasonable arrangement of funds, thus maximizing capital gains within the scope of the most risk that individuals can accept (ChiangLin and Lin, 2008; Nepomuceno and Laroche, 2015). Personal finance is unlike simple savings or investments, it includes not only the accumulation of wealth, but also investors' risk management and control, that is, when there is an accident in their lives and health, or there is an adverse change, such as hyperinflation, significantly reduced exchange rate in the economic environment they are exist in, the standard of living of their families will not have to be seriously affected (Nepomuceno and Laroche, 2015; Szarowská, 2014). Personal finance plays a very active role in accelerating people’s wealth, avoiding wealth destruction, and the prevention of impact from accidents on quality of life. However, financing is a very complex task which requires a lot of expertise on how to determine financial goals, how to control and avoid financial risks, and how to maximize the economic benefits of financial management and so on. This knowledge has a positive effect for successful financing and investment. This essay combines with a number of financial management theory to discuss what knowledge and skills that people need to have in financial management, based on this to bring forward recommendations on how to use these knowledge and skills in the next 60 or 70 years.

2.0 Main body
2.1 Steps of personal finance
2.2 Theory and application of personal finance
2.2.1 Life cycle theory and its Applications
2.2.2 Portfolio theory and its application 
2.2.3 Risk appetite theory and its application 
2.2.4 Time value of money theory and its application 
2.3 Discussion

3.0 Conclusion总结

Personal finance plays a very active role for people to make the most of their wealth, avoid wealth destruction, and prevent the impact of accidents on their quality of life. Though personal finance is also a very complex task, it requires a lot of expertise. In personal finance course, investors can use life cycle theory to determine financial goals, but in the future, they should pay more attention to the development and implementation of future investment plans and strategies during retirement. Investors can use portfolio theory to control and avoid financial risk and maximize economic benefits, but there is the need for investors to improve their financial knowledge and skills, or entrust appropriate financial institutions to help them to make right portfolio decisions. Investors can use risk appetite theory to control risk, but it should be noted that risk appetite is not equivalent to risk tolerance, risk tolerance is an important basis for personal financial planning. Investors can take advantage of time value of money theory to maximize economic benefits in financial management, but they can not ignore various risks, they need to weigh risks and benefits to choose a suitable investment plan.
 

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