CPI上涨背景下居民投资理财策略研究.docVIP

目 录 摘要 1 关键词 1 一、引言 2 二、投资理财的理论概述 3 1、投资理财的概念 3 2、投资理财的作用、价值 3 3、投资理财的品种 4 三、CPI上涨对传统理财方式的冲击 6 1、传统理财方式导致居民信心指数下降 6 2、传统理财方式投资导致收益下降 8 3、CPI上涨推动传统理财方式革新 9 四、CPI上涨背景下的理财策略分析 10 1、加大持有黄金、白银的比重 11 2、优化投资组合，加强风险范畴 11 3、多元化投资，拓展投资领域 12 4、提高专业投资理财水平 13 五、结语 13 参考文献 13  CPI上涨背景下居民投资理财策略研究 重庆工商大学 贸易经济 2010级二班 杨贞园 摘要：由于受国内外多种因素的影响，我国CPI消费者物价指数不断上涨，流通中的货币量远远大于存储的货币，从一方面来讲我国消费水平大量提高，居民把手中的货币都用来消费，刺激了我国经济的发展，但从另一面来讲，市场中过多的货币流通，导致以房产，农业为首的产品价格快速上涨，货币严重缩水。本文就以在此背景下，居民为什么要进行理财，如何进行理财投资，应对通货膨胀，怎样将自己的利益最大化，让自己的货币达到保值增值，不仅在实体经济中获得增值更在投资领域也获得收益，使其收益上涨速度超过CPI上涨速度而做出的研究。投资理财品种多样，居民每做一项投资也都会对其做一项全面的测试研究，而其中最重要的便是此理财产品的前景如何。本文将会对常见的理财产品做出分析，从而为投资者选择合适的理财产品提供理论支持。 关键词：通货膨胀 货币贬值 理财产品 保值增值 Abstract: Due to the influence of various factors at home and abroad, The rising consumer price index in China CPI, a lot of money in circulation is far greater than the storage of money, on the one hand the level of consumption in China increased greatly, residents in the hands of the money to consumption, stimulate economic development in China, but the other side speaking, lots of money in circulation market, leading to the rapid rise in real estate, agriculture led product prices,Money badly shrunk.Based on this background, the residents why finance, how to finance investment, inflation, how to maximize their own interests, let their currency value, not only to obtain value-added more in the area of investment and profit in the real economy, the income is rising faster than inflation and made CPI research. Investment variety, residents do each investment also will be a comprehensive test research on it, and one of the most important thing is how the financial products, prospects. This paper will make an analysis on the common financial products, so as to provide theoretical support for the investors to choose the suitable financial products.Keywords: depreciation value of financial products inflation monetary 一、引言 理财概念是随着我国银行，零售业务的发展，居民手中可支配收入的增加，股票证券市场的完善扩充才慢慢进入人们的思想。随着金融市场的发展，居民投资理财