工薪阶层家庭理财发展状况及策略研究.docVIP

摘 要 工薪阶层是世界上最为普遍的一个群体，尤其是在我国，工薪阶层的人数占到了90%以上，随着工薪阶层的收入和理财意识的不断提高，理财已经成为一种趋势。但是我国工薪阶层理财知识普遍偏低，进入理财市场面临诸多问题，以及进入理财市场之后如何进行有效的理财也成为一大问题。因此，我们需要建立一套完善的方法和体系来倡导工薪阶层理性的加入理财市场。 本文通过分析国内工薪阶层面临的理财现状，并对比和借鉴部分发达国家成熟理财市场上的特点，有针对性的为我国工薪阶层大众家庭理财出具了一套完整的方案，并对我国工薪阶层理财市场的发展提出相关建议。 关键词：工薪阶层 家庭理财 理财策略 Abstract Salaried people is the worlds most common of a group, especially in China, the number of wage earners accounted for more than 90%, with the continuous improvement of salaried people consciousness of income and wealth, wealth has become a trend. But our financial literacy is generally low wage earners into the financial market is facing many problems, and how to enter the financial market after the effective financial management has become a major problem. Therefore, we need to establish a sound methodology and system to advocate for the salaried people to join rational financial markets. This paper analyzes the financial status of the domestic salaried people faced and compare the characteristics of a mature financial markets and draw on the part of developed countries, targeted for the mass of salaried people families issued a complete set of financial solutions, and our salaried people financial management suggestions market development. Key Words：Salaried people；Family financial；Financial tactics. 目 录 摘 要 I Abstract II 引 言 1 1.文献综述 2 1.1工薪阶层概述 2 1.1.1工薪阶层定义 2 1.1.2工薪阶层特点 2 1.2 个人/家庭理财概述 2 1.2.1个人理财定义 2 1.2.2国内个人理财市场的发展现状 2 1.2.3国内外个人理财市场的差异分析 3 2.个人理财相关理论及模型 4 2.1货币时间价值论 4 2.2生命周期理论 4 2.3家庭模型理论 5 2.4风险偏好理论 5 2.5现代投资组合理论 5 3.工薪阶层的理财现状 6 3.1工薪阶层在理财方面的需求 6 3.1.1住房需求 6 3.1.2保险需求 6 3.1.3教育需求 6 3.1.4投资需求 6 3.1.5养老需求 6 3.2工薪阶层理财受限因素 6 3.2.1部分理财门槛过高，渠道有限 7 3.2.2理财知识匮乏，被动接受理财 7 3.2.3理财产品种类繁多，但其实质趋同 7 4.工薪阶层家庭理财对策分析 7 4.1发达国家工薪阶层的家庭理财策略分析 8 4.1.1低储蓄率 8 4.1.2热衷于共同基金 8 4.1.3注重保险保障 9 4.1.4合理的资产配置 9 4.2国内工薪阶层家庭理财策略 9 4.2.1根据所处人生阶段选择理财方案 9 4.2.2注重现金与保障规划 10 4.2.3注重分散投资与长期投资 10 4.2.4认清形势，跟随趋势进行投资 10 4.2.5利用负债进行理财 10 4.3家庭理财常见投资工具分析 11 4.3.1股票 11 4.3.2债券 12 4.3.3证券投资基金 13 4.3.4