【摘要】：顧名思義，理財最通俗的認識就是以打理財產(chǎn)為中心，運用經(jīng)濟學(xué)，會計學(xué)，財務(wù)管理等學(xué)科知識對財富進行科學(xué)合理的配置，從而實現(xiàn)個人財富的不斷增值和保值。同時通過對不同時期的現(xiàn)金流進行分析，通過融入資金或者融出資金來實現(xiàn)某一時期的購買或者投資目標(biāo)。就其目的來說，無非是實現(xiàn)子女成長的支出所需，化解未來個人養(yǎng)老壓力，過上無憂無慮的幸福生活，實現(xiàn)人生的財務(wù)自由。 遺憾的是，雖然當(dāng)前社會背景下眾多家庭有著多種多樣的理財需求，社會上也存在有銀行，證券，，保險，信托等多渠道的理財機構(gòu)，但是金融市場的法制不健全，金融機構(gòu)分業(yè)經(jīng)營帶來的混亂管理，個人理財知識的欠缺，金融機構(gòu)盲目追求眼前利益造成的市場信用缺失以及市場信息不對稱等諸多因素嚴重地制約了當(dāng)前家庭理財市場的發(fā)展。一方面不滿滿足家庭合理的理財需求，另一方面也使理財機構(gòu)不能提供科學(xué)，合理專業(yè)化的服務(wù)，導(dǎo)致國內(nèi)理財機構(gòu)與國際同行相比始終處于一個低水平狀態(tài)。 因此，本方案設(shè)計從當(dāng)前家庭理財市場的發(fā)展背景出發(fā)，剖析當(dāng)前家庭理財市場存在的亂象和原因，以高等院校，社區(qū)義工組織為紐帶，將家庭的理財需求與金融機構(gòu)的市場開發(fā)相關(guān)聯(lián)，建立起二者的信任機構(gòu)和溝通機制，制定出一套既能夠解決家庭的理財需求，同時也為金融機構(gòu)提供一條行之有效的市場開發(fā)途徑。
[Abstract]:As the name implies, the most popular understanding of financial management is to use the knowledge of economics, accounting, financial management and other disciplines to allocate wealth scientifically and reasonably, so as to realize the continuous appreciation and preservation of personal wealth. At the same time, through the analysis of cash flow in different periods, through the integration of funds or financing of funds to achieve a certain period of purchase or investment objectives. As far as its purpose is concerned, it is nothing more than the need to realize the expenditure of children's growth, to resolve the pressure of personal pension in the future, to lead a carefree and happy life, and to realize the financial freedom of life. Unfortunately, although many families have a variety of financial needs under the current social background, there are also banks, securities, insurance, trust and other multi-channel financial institutions, but the legal system of the financial market is not perfect. The chaotic management caused by the separate operation of financial institutions, the lack of personal financial management knowledge, Many factors, such as the lack of market credit and the asymmetry of market information caused by the blind pursuit of immediate interests by financial institutions, seriously restrict the development of the current family financial market. On the one hand, it is not satisfied to meet the reasonable financial needs of families, on the other hand, it also makes financial institutions unable to provide scientific and reasonable professional services, resulting in domestic financial institutions have always been in a low level compared with their international counterparts. Therefore, based on the development background of the current family financial market, the design of this scheme analyzes the chaos and causes of the current family financial market, and takes institutions of higher learning and community volunteer organizations as the link. Linking the financial needs of families with the market development of financial institutions, establishing trust institutions and communication mechanisms between the two, and formulating a set of financial needs that can solve the financial needs of families. At the same time, it also provides an effective way for financial institutions to develop the market.
【學(xué)位授予單位】：廣東財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：TS976.15;F832

【引證文獻】

相關(guān)期刊論文 前1條

1 劉勰東;;探討家庭財經(jīng)管理理念在投資組合保險中的應(yīng)用[J];財經(jīng)界(學(xué)術(shù)版);2017年01期

相關(guān)碩士學(xué)位論文 前1條

1 劉海沫;包頭市城鎮(zhèn)居民家庭理財問題研究[D];內(nèi)蒙古財經(jīng)大學(xué);2016年

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