【摘要】：改革開放三十多年,隨著中國經濟的發(fā)展,人均收入持續(xù)增長,我國居民家庭財產以及貨幣積蓄隨之增加,可供居民家庭支配的財產份額也逐步增長。而現階段的普遍情況卻是,雖然居民渴望將較多的家庭閑置資盒進行投資理財,以獲取家庭收益最大化,但是家庭投資理財的方式措施尚不成熟。大多數居民對安全有效地投資理財渠道也缺少認知,從而使普通的居民家庭投資理財的行為受到很大抑制。因此,如何通過研究為我國居民家庭投資理財提供一個較為完整、安全、有效的建設性策略及方案就具有十分重要的意義。 本文就社會主義市場條件下我國居民家庭投資理財模式展開研究,闡述了居民家庭投資理財模式研究的意義、內容和方法,并界定了居民家庭投資理財的概念和目標；論述了居民家庭投資理財的相關理論背景；總結介紹了國內外投資理財的現狀和存在的問題；詳細分析了我國居民家庭的投資理財渠道,如儲蓄、股票、基金、債券、保險、物業(yè)等,并對這幾種理財渠道的收益性、流動性、風險性進行比較分析。最后,根據居民家庭不同的資產規(guī)模、投資理財模式、生命周期給出了適合我國居民家庭投資理財的組合建議。
[Abstract]:After more than 30 years of reform and opening up, with the development of China's economy, the per capita income continues to increase, the household property and monetary savings of our country increase, and the share of property available for the household to control increases step by step. However, the general situation at present is that although residents are eager to invest and manage money in order to maximize family income, the way of family investment and financial management is not yet mature. The majority of residents also lack the cognition of safe and effective investment and financial management channels, which greatly restrain the behavior of ordinary residents' investment in financial management. Therefore, it is of great significance to provide a more complete, safe and effective constructive strategy and scheme for the household investment and financial management in China. This paper studies the model of household investment and financial management in China under the condition of socialist market, expounds the significance, content and method of the study, and defines the concept and goal of household investment and financial management. This paper discusses the relevant theoretical background of household investment and financial management, summarizes the current situation and existing problems of domestic and foreign investment and financial management, and analyzes in detail the channels of investment and financial management of resident families in China, such as savings, stocks, funds, bonds, insurance, etc. Property, and these financial channels of income, liquidity, risk are compared and analyzed. Finally, according to the different asset scale, investment and financial management model of the resident family, the paper gives the combination suggestion suitable for the resident family investment and financial management in our country.
【學位授予單位】：西安石油大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F224;F832.48

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本文編號：2208388