我市居民投资理财问题研究--毕业论文.doc

我市居民投资理财问题研究 摘 要 改革开放以来，安阳作为中原经济区“三化”协调发展最具条件的经济带，城镇居民可支配收入不断提高居民家庭财富快速积累，然而当前市没有形成较为成熟的理财市场，个人理财理财Abstract Since the reform and opening-up policy, AnYang as the most conditional econimic belt in “three” coordinated development of central plains economic zone , disposable income level of urban residents enhances unceasingly. rapid accumulation of household wealth provides a powerful material base for investing and financing . Residents demand is showing a rapid growth in investment and financing. However, the current city has not yet formed a mature financial market. In the face of many financial products, how to invest money and how to manage their wealth has become the most concerned topic in the residents. Centered on the residents’ investing and financing, the basic knowledge of finance and investment, the AnYang city residents’ income, consumption and finance status quo and the development thinking of future residents finance have been given systematic explanation in this paper . The study of this research can guide the residents to understand finance and investment , improve investors’ concept of financial management and risk prevention awareness , make suitable financial planning and realize the value of wealth. The study of this paper can also promote the healthy development of residents’ investing and finiancing throughout the mature of the investors, the government and financial institutions’ coordinated development , then ensure rapid and sound development of capital market in our city. Key words: finance and investment; Personal finance; Financial risk  目 录 一、投资理财概述 1 （一）居民投资理财的必要性 1 （二）居民投资理财的风险 2 （三）主要投资理财工具 3 （四）投资理财应遵循的基本原则和步骤 4 二、我市居民投资理财的现状分析 5 （一）我市居民收入及消费现状分析 5 （二）当前我市金融资产结构现状分析 8 （三）我市居民投资理财现状分析 10 三、促进我市居民投资理财良性发展的相关建议 11 （一）政府方面应采取的措施 12 （二）金融机构应采取的措施 15 （三）针对居民投资者的建议 16 参 考 文 献 19 随着我国经济的发展，人民生活水平的提高，家庭金融资产的不断增加，投资理财已成为日益重要的问题。当前没有形成较为成熟的理财市场城