發(fā)布時間：2018-05-13 05:10

  本文選題：“421” + 家庭模式��； 參考：《首都經(jīng)濟貿(mào)易大學(xué)》2014年碩士論文

【摘要】：由于中國計劃生育政策的實施，使得中國傳統(tǒng)的家庭結(jié)構(gòu)受到了顛覆性改變，“421”家庭模式已經(jīng)逐漸成為我國目前主要的家庭模式。隨著改革開放程度的深入、市場經(jīng)濟體制的完善以及國內(nèi)居民收入水平的提高，“421”家庭的可支配收入和家庭金融資產(chǎn)也得到同步增長。但對于“421”家庭而言，收入的增加并沒有提升家庭的幸福指數(shù)，這是因為“421”家庭既要承擔養(yǎng)育子女、贍養(yǎng)父母的責任，還要肩負改善家庭生活水平的壓力，如何解決“421”家庭的財務(wù)困擾、實現(xiàn)財富自由是丞待解決的問題。 鑒于“421”家庭模式的特殊性，要想真正擁有財富自由，進行合理的家庭理財投資規(guī)劃是十分必要的。然而，我國家庭理財業(yè)務(wù)尚處于起步階段、投資環(huán)境和投資方式尚不成熟，且投資者不具備相應(yīng)的理財專業(yè)知識和風(fēng)險抵御能力，因此，我國的家庭理財業(yè)務(wù)發(fā)展緩慢，從而制約了“421”家庭的理財投資活動。本文基于對我國“421”家庭理財需求特殊性的考慮，借鑒國外先進家庭理財經(jīng)驗，并結(jié)合我國目前理財市場的投資環(huán)境進行綜合分析，力求為我國“421”家庭提供一個較為完整、安全、有效的理財規(guī)劃方案。 本文針對我國“421”家庭理財規(guī)劃展開分析研究。首先，闡述了“421”家庭進行家庭理財規(guī)劃的研究意義、現(xiàn)狀和方法，界定了家庭理財規(guī)劃的概念，，并綜述了家庭理財規(guī)劃的相關(guān)理論依據(jù)。其次，分別闡述了國內(nèi)外家庭理財規(guī)劃的發(fā)展現(xiàn)狀，并對國內(nèi)外家庭理財規(guī)劃進行了差異化分析，同時，詳盡分析了我國家庭理財規(guī)劃的相關(guān)內(nèi)容。再次，通過典型案例進一步分析“421”家庭理財規(guī)劃的制定過程，并給出“421”家庭模式下的合理投資策略。最后，根據(jù)“421”家庭模式的特點，給出相應(yīng)的家庭理財規(guī)劃建設(shè)性意見，同時，展望了我國家庭理財規(guī)劃的發(fā)展前景。作者本人以期此文能夠?qū)Α?21”家庭在理財規(guī)劃的實踐方面有所指導(dǎo)意義。
[Abstract]:As a result of the implementation of China's family planning policy, the traditional family structure in China has been changed subversely, and the "421" family model has gradually become the main family model in China. With the deepening of reform and opening up, the perfection of market economy system and the improvement of income level of domestic residents, the disposable income and family financial assets of 421 families have also been increased simultaneously. For "421" families, however, the increase in income did not improve the family's happiness index because "421" families had to bear the responsibility of raising children, supporting their parents and carrying the pressure to improve their family's standard of living. How to solve the financial distress of 421 family and realize wealth freedom are the problems to be solved. In view of the particularity of 421 family model, it is necessary to make reasonable family financial investment planning if we want to have real wealth freedom. However, the family finance business in our country is still in the initial stage, the investment environment and investment mode are not mature, and the investors do not have the corresponding financial management professional knowledge and the ability to resist risks, therefore, the development of the family finance business in our country is slow. Thus restricting the "421" family financial investment activities. Based on the consideration of the particularity of the "421" family finance demand in China, this paper draws lessons from the advanced family financial management experience of foreign countries and makes a comprehensive analysis on the investment environment of our country's current financial management market. To provide a complete, safe and effective financial planning scheme for 421 families in China. This article aims at our country's 421 family finance plan carries on the analysis research. First of all, the research significance, present situation and methods of "421" family financial planning are expounded, the concept of family financial planning is defined, and the relevant theoretical basis of family financial planning is summarized. Secondly, the development status of family financial planning at home and abroad is expounded, and the difference analysis of family financial planning is carried out at home and abroad. At the same time, the related contents of family financial planning in China are analyzed in detail. Thirdly, the process of making 421 family financial planning is further analyzed through typical cases, and the reasonable investment strategy under 421 family model is given. Finally, according to the characteristics of "421" family model, the constructive suggestions of family financial planning are given, and the development prospects of family financial planning in China are prospected. The author hopes that this article can guide 421 families in the practice of financial planning.
【學(xué)位授予單位】：首都經(jīng)濟貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.48

【參考文獻】

相關(guān)期刊論文 前5條

1 周偉;;比利時人如何理財[J];金融博覽(銀行客戶);2008年09期

2 馬鐳;潘娜;;連續(xù)復(fù)利資金時間價值研究[J];山西建筑;2007年30期

3 涂永紅,李偉,劉新安;美國個人理財方案設(shè)計對我國的啟示[J];南方金融;2005年05期

4 沈軍;商業(yè)銀行個人理財研究[J];中國農(nóng)業(yè)銀行武漢培訓(xùn)學(xué)院學(xué)報;2004年05期

5 毛丹平;個人理財　 究竟意味著什么[J];南方金融;2001年03期

相關(guān)碩士學(xué)位論文 前2條

1 敖旭;社會主義市場條件下我國居民家庭投資理財模式研究[D];西安石油大學(xué);2012年

2 尤家恬;我國商業(yè)銀行個人理財業(yè)務(wù)發(fā)展及創(chuàng)新研究[D];上海師范大學(xué);2009年

本文編號：1881790