东宁县居民个人理财的问题的研究.docVIP

东北农业大学学士学位论文 学号： 东宁县居民个人理财的问题研究 The Research on The Problem of Personal Wealth Management in Dongning Prefecture 摘要 伴随着经济持续发展和城乡民生活的不断提,个人理财这种新型的金融服务和投资理财方式受到重视。具体分析了影响城乡居民个人理财需求的主要因素，个人理财The Research on The Problem of Personal Wealth Management in Dongning Prefecture Abstract With the sustainable and rapid economy development as well as the rising of living standard, personal finance has enjoyed a huger market and demand. In this present study, we focus on the ordinary investor to study the laws of personal Wealth management in our country, especially on the medium. income residents in dongning area to Analysis their present financial situation and assets dispose . In the meanwhile we also put forward the problems, which approved in the process of the personal wealth management of the medium- income residents in dongning area. We also afford the relevant counter measures aimed at the idea establishment, the operate means and the risks precautions of the personal wealth management in dongning area. We expect to help the residents make a rational financial control to achieve the personal property increment oil the premise of the establishment of risk precaution consciousness through the training of wealth management, which incorporated with their personal case. Key words: personal wealth management, appreciation, venture capital 目录 摘要 I Abstract II 1前言 1 1.1本研究的目的 1 1.2本研究的意义 1 1.3国内外个人理财的研究文献综述 1 1.3.1国内个人理财的研究文献综述 1 1.3.2国外个人理财的研究文献综述 2 1.4本研究的主要内容 3 2居民个人投资理财的规划概述 4 2.1 居民个人理财的含义 4 2.2 居民个人投资理财的品种 4 2.3 个人理财的理论依据 6 3东宁县居民个人理财的现状分析 6 3.1东宁县居民理财特点 7 3.1.1居民选择投资渠道比较单一和随意 7 3.1.2当地银行对理财宣传不足 7 3.1.3理财产品信息不对称 8 3.2东宁县居民理财现状 8 4在东宁县开展个人理财业务存在的困难 9 4.1缺乏专业的理财队伍 9 4.2理财信息闭塞且技术落后 9 5针对居民理财存在的问题提出的对策和建议 10 5.1搭建理财服务平台 10 5.2建立专业理财队伍 10 5.3创新理财产品 11 5.4居民自身在进行个人理财方面的努力方向 11 6结论 12 参考文献 13 致谢 14 1前言 1.1本研究的目的 理财个体在相关专业知识和技能上的缺乏与兴旺的市场需求状况之间存在着普遍的矛盾。虽然国内也有专门的理财机构为有理财需求的家庭和个人提供专业理财服务，但是服务的广度和深度还十分不够。供需之间存在的矛盾使得国内个人理财市场的发展遇到了很大阻碍。其原