【摘要】： 中華民族歷來崇尚“集腋成裘,集沙成塔”的堅韌和耐性,習(xí)慣于省吃儉用來積攢財產(chǎn);更習(xí)慣于精打細(xì)算,分毫斟酌地使用和安排財產(chǎn)。但隨著時代前進(jìn)的步伐,尤其是進(jìn)入21世紀(jì)以來,伴隨著我國經(jīng)濟(jì)的快速增長,居民財富的急劇膨脹,現(xiàn)代的中國人在保留艱苦樸素傳統(tǒng)美德的同時,也掘棄了將傳統(tǒng)的銀行儲蓄作為個人財產(chǎn)保值、增值之唯一手段的古老方式。與此同時,隨著市場化改革進(jìn)程的推進(jìn)和社會保障體系的建立,國家已不可能為家庭提供完全的風(fēng)險保障。當(dāng)越來越多的人們在滿足基本生活之外有了財富以后,當(dāng)人們開始自己買房、負(fù)擔(dān)子女教育費(fèi)用、承擔(dān)部分醫(yī)療費(fèi)用、自己安排一生之后……越來越多的人們需要在其財產(chǎn)保值、增值的基礎(chǔ)上,通過投資理財手段化解不確定性對生活產(chǎn)生的危害。于是個人理財規(guī)劃便應(yīng)運(yùn)而生。忽如一夜春風(fēng)來,不知從哪天起,諸如“管好自己的錢”,“讓錢生更多的錢”,便成了從工薪階層到都市新貴們普遍膨脹的熱望。在這種形勢下,如何進(jìn)行個人理財規(guī)劃就成為人們?nèi)粘Ｉ钏P(guān)注的重點(diǎn),也是本文希望討論的問題。 本文的主要內(nèi)容和結(jié)構(gòu)安排如下: 第一部分緒論部分。對論文的選題背景及研究意義、國內(nèi)外研究現(xiàn)狀、論文的研究思路和研究框架做了相關(guān)闡述。 第二部分為個人理財規(guī)劃的理論綜述。這部分對個人理財規(guī)劃的概念進(jìn)行了界定,介紹了個人理財規(guī)劃的方法以及基本原則。 第三部分為主要理財工具的比較分析。這部分采用比較分析法,對我國現(xiàn)有的理財工具進(jìn)了梳理,比較各種理財工具的風(fēng)險及收益并制定了相應(yīng)的策略。 第四部分為個人理財規(guī)劃的研究及應(yīng)用。從投資規(guī)劃、住房規(guī)劃、教育規(guī)劃、保險規(guī)劃、退休計劃、遺產(chǎn)規(guī)劃六個方面對個人理財規(guī)劃進(jìn)行了具體研究和運(yùn)用。 第五部分為個人理財規(guī)劃方案的設(shè)計。在前面分析的基礎(chǔ)之上,設(shè)計出個人理財規(guī)劃的基本步驟,并結(jié)合實(shí)例設(shè)計個人理財規(guī)劃方案。 最后結(jié)論部分對我國的個人理財規(guī)劃業(yè)務(wù)進(jìn)行了總結(jié),肯定了個人理財規(guī)劃業(yè)務(wù)的巨大發(fā)展空間,并對我國個人理財業(yè)務(wù)特別是專業(yè)理財業(yè)務(wù)的監(jiān)管與發(fā)展提出建議。
[Abstract]:The Chinese nation has always advocated the tenacity and patience of "collection into a fur and a collection of sand towers," and is used to saving money to accumulate property. However, with the advance of the times, especially since the beginning of the 21st century, with the rapid economic growth of our country and the rapid expansion of the wealth of the residents, the modern Chinese people retain the traditional virtues of hard work and plain living at the same time. It also discards the old way of using traditional bank savings as the only way to preserve and increase value of personal property. At the same time, with the advancement of market-oriented reform and the establishment of social security system, it is impossible for the state to provide complete risk protection for families. When more and more people have wealth beyond meeting their basic needs, when they begin to buy their own homes, pay for their children's education, pay part of their medical expenses, and arrange their own lives. More and more people need to resolve the harm of uncertainty to their lives by means of investment and financial management on the basis of maintaining and increasing the value of their property. So personal financial planning came into being. All of a sudden, it was like a spring breeze, and from which time, such as "manage your own money" and "make more money for money", it became a popular desire from the working class to the city's upstarts. In this situation, how to carry out personal financial planning has become the focus of people's daily life, is also the issue this paper hopes to discuss. The main contents and structure of this paper are as follows: the first part is the introduction. The background and significance of the research, the current situation of research at home and abroad, the research ideas and research framework are expounded. The second part is the summary of the theory of personal financial planning. This part defines the concept of personal finance planning, introduces the methods and basic principles of personal finance planning. The third part is the comparative analysis of the main financial tools. This part uses the comparative analysis method, combs the existing financial tools in China, compares the risks and benefits of the various financial tools and formulates the corresponding strategies. The fourth part is the research and application of personal financial planning. From the investment planning, housing planning, education planning, insurance planning, retirement planning, heritage planning six aspects of personal financial planning for specific research and application. The fifth part is the design of personal financial planning. Based on the previous analysis, the basic steps of personal finance planning are designed, and the personal financial planning scheme is designed with an example. In the last part, the author summarizes the business of personal finance planning in our country, affirms the huge development space of the business of personal finance planning, and puts forward some suggestions on the supervision and development of personal finance business, especially the professional financial management business in our country.
【學(xué)位授予單位】：大連海事大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2008
【分類號】：F832.48

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 毛婷瑜;面向個人理財?shù)闹悄芑旌舷到y(tǒng)的研究[D];東華大學(xué);2011年

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本文編號：2409457