【摘要】：近年來，隨著居民食品價格和居住類價格的持續(xù)上漲，我國CPI指數(shù)持續(xù)上升，顯示我國經(jīng)濟開始出現(xiàn)通貨膨脹。而伴隨著生活必需品價格的快速上漲，居民收入水平并沒有明顯提升，并且投資類產(chǎn)品價格也出現(xiàn)了上漲。這些價格的漲幅已經(jīng)大大超過居民家庭的收入上漲的趨勢，居民可支配收入的購買力在逐步下降。這種矛盾的出現(xiàn)加大了居民家庭對以理財規(guī)劃為主的家庭金融策略的需求，也給居民生活造成了多方面的影響。在這樣的背景下，“家庭金融”的合理規(guī)劃就顯得非常重要。目前我國金融市場經(jīng)過三十年的改革開放，已經(jīng)發(fā)展為世界第二大經(jīng)濟體，可以提供較為全面的金融投資工具。居民家庭可以通過儲蓄、商業(yè)保險、養(yǎng)老保險、房產(chǎn)、股票和基金、黃金等投資方式來使資產(chǎn)保值增值。 在通貨膨脹背景下，在居民家庭生活中對于醫(yī)療、房產(chǎn)、子女教育、養(yǎng)老等多方面的生活必須規(guī)劃安排前提下，如何通過行之有效家庭金融策略來規(guī)避通貨膨脹風(fēng)險，如何通過投資理財來使自己的財富能夠?qū)崿F(xiàn)保值增值，是當(dāng)前家庭投資理財亟待思考的現(xiàn)實問題。家庭投資理財?shù)陌l(fā)展，一方面需要科學(xué)合理的規(guī)劃家庭理財機制，建立適合的理財方式，同時另一方面也需要金融機構(gòu)提供更多的理財產(chǎn)品，完善投資環(huán)境，，優(yōu)化家庭投資資金的使用配置，提高投資收益率，才能最大限度地實現(xiàn)家庭財產(chǎn)使用效益的最大化。 家庭金融本文主要是研究我國家庭如何通過金融工具來完成家庭需求的規(guī)劃，包括家庭需要的儲蓄、借貸、投資、保險等金融業(yè)務(wù)。通過研究目前我國居民家庭的金融情況，可以發(fā)現(xiàn)，目前我國居民家庭存在儲蓄比例過高、熱衷投資置房、缺乏長期財務(wù)規(guī)劃以及教育問題、醫(yī)療保險問題等問題。本文通過詳細了解債券、銀行存款、股票、基金、房地產(chǎn)投資、期貨投資、藝術(shù)品投資等金融工具的具體特點后，根據(jù)不同時期的理財目標(biāo)進行規(guī)劃設(shè)計投資組合，同時充分考慮居民的實際理財投資能力、風(fēng)險承受能力、財務(wù)能力等，進行完整的理財規(guī)劃。最后根據(jù)詳細案例規(guī)劃，介紹家庭金融的全部過程。根據(jù)人生規(guī)劃的不同階段，設(shè)計每一個階段需要達成的理財目標(biāo)和投資方式。綜合考慮家庭整理的財務(wù)分析數(shù)據(jù)，制定理財目標(biāo)和投資項目，并且定期進行修正。
[Abstract]:In recent years, with the rising of food price and housing price, the CPI index of our country is rising, which indicates that the economy of our country is beginning to appear inflation. With the rapid increase in the price of necessities, the income level of residents has not increased significantly, and the price of investment products has also risen. These price increases have far outstripped the upward trend of household incomes, which are gradually declining in the purchasing power of disposable income. The emergence of this contradiction has increased the demand of the household financial strategy based on financial planning, and has also caused a variety of impacts on the residents' life. In this context, the rational planning of "household finance" is very important. At present, after 30 years of reform and opening up, our financial market has developed into the second largest economy in the world, which can provide more comprehensive financial investment tools. Household savings, commercial insurance, pension insurance, real estate, stocks and funds, gold and other forms of investment to maintain and increase the value of assets. Under the background of inflation, how to avoid the risk of inflation through effective family finance strategy under the premise that medical care, real estate, children's education, pension and other aspects of life must be planned and arranged in the household life of residents, How to maintain and increase the value of one's wealth through investment and financial management is a realistic problem that needs to be considered urgently. The development of family investment and financial management requires, on the one hand, scientific and rational planning of family financial management mechanisms and the establishment of appropriate financial management methods; on the other hand, it also needs financial institutions to provide more financial products and improve the investment environment. Only by optimizing the use and allocation of family investment funds and increasing the return rate of investment can the maximum benefit of household property be maximized. This paper mainly studies how to use financial instruments to complete the family needs planning, including savings, loans, investment, insurance and other financial services. By studying the current financial situation of the resident families in our country, we can find that there are some problems such as the high proportion of savings, the keen to invest in housing, the lack of long-term financial planning, the problems of education, medical insurance and so on. After understanding the specific characteristics of financial instruments such as bonds, bank deposits, stocks, funds, real estate investments, futures investments, art investments, and so on, this paper plans and designs the investment portfolio according to the financial objectives of different periods. At the same time, full consideration of residents' actual financial investment ability, risk bearing capacity, financial capacity, etc. to carry out a complete financial planning. Finally, according to the detailed case planning, introduce the whole process of household finance. According to the different stages of life planning, design financial objectives and investment methods to be achieved in each stage. Consider the financial analysis data, set financial goals and investment items, and revise them regularly.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F822.5;F832

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