大学生投资理财.docVIP

题 目: 大学生投资理财分析 姓 名: __________ 学 号: ________ 大学生投资理财分析 关键词：大学生投资理财，一般投资品，投资组合，投资效用 Analysis of Investment and Financial Management For College Students Abstract：As the corpus of the investment and financial management of future, the college students need to strengthen the consciousness and attend somepractice in this area as to lay the solid foundation for the reasonable and valid conducts. Aiming at this, combining the economic condition and the characteristics of the investment and financial management currently for the college students, our thesis established Decision Model of Investment and Financial Management for College Students .We hold the hypothesis that college students are the risk averters and consider the surplus of the investment funds as the preventive and holding cashes which keep constant. Guaranteeing the liquidity, for the maximum utility, the model thoroughly discussed the decision problem of the investment combination, then we carried on the substantial evidence analysis to their income, risk and best investment structure. Finally, we put forward some suggestions and countermeasures on the investment and financial management practice for college students, which would be significant for them. Keywords：Decision model of investment and financial management，general investment tools，investment bundle, investment utility 1 投资理财介绍 目前，比较流行的理财手段有储蓄、保险、国债、股票、基金、期货、外汇、房地产、珠宝、邮票、古玩字画、钱币及拍卖品等无论哪种理财手段，都有其自身的特点及不可替代性这其中无所谓孰好孰坏，风险与收益并存到底选择哪种投资组合，一定要根据自身实际情况，自己的风险承受能力来决定不同的人应当制定不同的理财计划 一些专家认为人们在进行个人理财时，要进行多种投资组合，广开财路，最适合普通家庭的投资组合是：40%银行储蓄、30%买债券、10%买保险、10%买股票、10%用于其他投资但是，我们应当看到，任何模式都不是绝对的真理，对于不同的人，由于各自的财务状况不同，每个人的理财目标不一样，家庭责任也不一样，他的风险承受能力、目标、资产的情况都不一样，他不应当一成不变地遵循这种比例到底有多少鸡蛋，把多少鸡蛋放在什么样的篮子里，是因人而异的[1]。 “个人理财”是一个时髦的词儿，然而一般人对理财的认识存在着两个误区：一是认为理财就是生财，就是今年投下10万，明年收获12万，也就是投资赚钱二是认为理财是有钱人的事儿，老百姓没有几个钱，无所谓理不理财实际上，这两种理财观念都是狭隘的理财其实是一种个人或家庭的人生规划，根本上是指我们要善用钱财，尽量使得个人及家庭的财务状况处于最佳状态，从而提