我国居民个人应该如何进行投资理财规划精选.doc

我国居民个人应该如何进行投资理财规划 我国居民个人应该如何进行投资理财规划 摘 要 最近几年个人投资理财发展日速千里，个人投资理财的发展发现出人们对投资理财抱有极大的兴趣，他们渴望通过投资理财产品逐渐实现资产的合理分配和实现财富的保值、增值，但是人们在进行投资理财时，往往存在一些错误的理解和认识，因此而错失很多投资机会，居民进行个人理财投资时，应该树立正确的投资理财观念，具备明确的投资理财目标，具有一定的专业知识，这样才可以选择合适的投资理财产品。随着我国市场经济体制的不断完善,我国的财富市场已跃居成为亚洲区仅次于日本的第二大财富市场。与财富的增长同步,个人理财市场的发展规模进一步扩大。外资银行准入的进一步放开,私人银行业务特别是个人理财业务将是中外银行争夺的焦点。 Abstract Recently this year, personal finance and investment on the development speed of thousands of miles, personal finance and investment development found that people have great interest on investment, they desire through investment financial products gradually realize asset reasonable allocation and realize value, value-added, but people in finance and investment, there is often some wrong understanding, thus miss many opportunities for investment, residents of personal financial investment, should establish the correct investment concept, have a clear investment target, have certain professional knowledge, so that we can choose suitable investment products. Along with our country market economy system is continuously perfect, the wealth of our country market already jumped house become Asia after Japan’s second largest market. With the growth of wealth, personal finance market development to further expand the scale of. Banks of foreign capital admittance unlock further, private banking business, especially personal financial business will be the focus of Chinese and foreign banks. The article analysed our country investment market and the causes of the problems, put forward on the basis of the perfection of personal finance and investment market countermeasures. Key words: personal; investment; financial management; 目 录 一、相关理论概述 ........................................................................................................................... 4 （一）个人投资理财内涵 ....................................................................................................... 4 （二）理财方式分类 ...........................................