当前我国家庭或个人理财行业存在的问题及解决对策.docVIP

本科生毕业论文（设计） 作者声明 本毕业论文（设计）是在导师的指导下由本人独立撰写完成的，没有剽窃、抄袭、造假等违反道德、学术规范和其他侵权行为。对本论文的研究做出重要贡献的个人和集体，均已在文中以明确方式标明。因本毕业论文（设计）引起的法律结果完全由本人承担。 毕业论文（设计）成果归中南财经政法大学所有。 特此声明。 作者专业 ： 投资理财 作者学号 ： 作者签名 ： 我国居民个人应如何进行理财规划 On the family or personal financial prospects for the development industry in China 摘 要 我国家庭或个人投资理财现状现代意义的个人理财不同于单纯的储蓄或投资，它不仅包括财富的积累，而且还囊括了财富的保障和安排。由于经济发展、文化传统等原因的影响，我国个人理财刚刚开始出现萌芽。家庭或个人理财是家庭或个人为了实现各自的愿望，将自身所拥有的各种资源投入到金融或非金融领域，使其保值增值并达到计划所要求的目标。但由于我国金融业还是分业经营，分业管理的模式，理财师们往往只是在自己专业的方面有所擅长，这与家庭或个人理财是全方位服务的要求出现了背离，加上理财师们所针对的都是高端客户，收取相对较高的佣金，使家庭或个人理财的普及和推广受到了很大的限制。本文通过家庭或个人理财的现状、理财市场存在的问题等进行了分析，来讨论家庭或个人理财的对策建议。 关健词：家庭或个人理财；理财计划；投资理财 abstract Our family or personal investment management present situation of modern significance personal finance is different from pure savings or investment, it not only includes the accumulation of wealth, but also include wealth guarantee and arrangement. Due to the economic development and cultural traditions, the influence of such reasons our personal finance just began to appear bud. Family or personal financing is family or personal in order to achieve their wishes, will own with the various resources into financial and non-financial sectors, make its value and reached the plans objectives. But because Chinas financial industry or separate operation, differentiated management model, financial masters often only in his professional aspect somewhat good at, this with family or personal finance is an all-round service requirements appeared deviation, plus financial masters in the high-end customers, charge is relatively high commission, make family or personal finance by the popularization and promotion of the constrained. This article through the family or personal finance situation, financial market existing problems were analyzed, to discuss family or personal finance countermeasures and Suggestions. Key words: personal finance， Financial planning， Finance and investment 目 录 一、家庭或个人理财业务的概述………………………………………………1 （一）家庭或个人理财业务定义…