本文選題：教育金 + 理財(cái)規(guī)劃��； 參考：《昆明理工大學(xué)》2013年碩士論文

【摘要】：在知識(shí)經(jīng)濟(jì)的時(shí)代,子女的教育問題一直為各個(gè)家庭所重視。近幾年來,子女的教育金支出成為了家庭的一項(xiàng)重要開支,子女教育目標(biāo)的實(shí)現(xiàn)需要巨額的資金。因此,科學(xué)、合理地規(guī)劃子女教育金對(duì)一個(gè)孩子、一個(gè)家庭乃至整個(gè)社會(huì)都具有重要的現(xiàn)實(shí)意義。本文首先通過對(duì)國外子女教育金理財(cái)規(guī)劃發(fā)展歷程的回顧和分析,對(duì)比國內(nèi)目前子女教育金理財(cái)規(guī)劃的發(fā)展現(xiàn)狀,梳理出國外子女教育金理財(cái)規(guī)劃發(fā)展的成功經(jīng)驗(yàn)和我國目前存在的不足,并對(duì)目前我國存在的幾種子女教育金理財(cái)工具進(jìn)行了收益與風(fēng)險(xiǎn)的對(duì)比分析。然后,結(jié)合生命周期理論、投資組合理論、時(shí)間價(jià)值理論以及不同家庭的理財(cái)目標(biāo),歸納出與家庭教育目標(biāo)相匹配的投資理財(cái)策略。最后,以一個(gè)典型家庭的教育金理財(cái)規(guī)劃為案例,測算出子女教育金的大�。惶岢隽嗽摷彝サ慕逃鹄碡�(cái)規(guī)范方案及其對(duì)應(yīng)的投資組合策略。案例分析表明,教育金理財(cái)規(guī)劃有助于教育支出的平滑化,從而實(shí)現(xiàn)子女的教育目標(biāo)。
[Abstract]:In the era of knowledge economy, the education problem of children has always been paid attention to by all families. In recent years, the educational expenditure of children has become an important expense for the family, and the realization of the education goal of children needs a huge amount of money. Therefore, the scientific and rational planning of the child's education fund is of great importance to a child, a family and even the whole society. This article first through the review and analysis of the development course of foreign children's financial planning of education gold, compared the current development status of domestic child education financial planning, combing the successful experience of the development of financial planning for female educational gold and the shortcomings of our country at present, and the seeds of our country at present. A comparative analysis of income and risk is carried out in women's financial financial tools. Then, combined with life cycle theory, investment portfolio theory, time value theory and the financial goals of different families, the investment financing strategies that match the family education goals are summed up. Finally, a typical family financial planning is taken as a case. The size of the child's education fund and the family's financial management plan and its corresponding portfolio strategy are put forward. The case analysis shows that the financial planning of the educational fund helps to smooth the education expenditure so as to achieve the education goal of the children.

【學(xué)位授予單位】：昆明理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.2

【參考文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 蔡逢敏;生命周期理財(cái)理論在個(gè)人理財(cái)業(yè)務(wù)中的應(yīng)用[D];對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué);2006年

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本文編號(hào)：1873115