石家庄市家庭理财问题及对策分析-problems and countermeasures of family financial management in shijiazhuang city.docxVIP

FamilyFinancialStatusandStrategyResearchofShijiazhuangCityInrecentyears,inordertopromotethedevelopmentofthefinancialindustry,theChinesegovernmentsuccessfullytookupseriesofmajorinitiatives,suchasthereformofequityvalue,tosolvethefinancingproblemofSMEs,throughtheuseofcentralbankreserveratiodepositsandothermonetarypolicytoolstoregulatetheflowoffundsinthemarketandsoon,thesemeasuresbenefitthehealthydevelopmentofthefinancialindustry,butalsocreateafavorablefinancialconditionsforfamilies(individuals)financialmanagement,peoplesawarenessoffinancialmanagementhasbeenincreased,andpeoplesinterestinfinancialmanagementhasalsobeenactivefullymobilized.However,duetolong-termimpactofthetraditionalthought,manypeoplearealsodifficulttoacceptthenewmanagementconcepts,theerrorsonfinancialmanagementstillexistsmainlyinthefollowingaspects:①Itisthesafesttodepositthemoneytothebank;②Onlyfinancialexpertsandtherichcando,nothingtodowiththecommonpeople;③Tobuystocksorinvestmentfundsisregaredastheentirecontentsoffinancialmanagement;④notimeonfinancialmanagement.Thesebiasesaffectthehealthydevelopmentoffinancialmanagement.Therefore,theconceptofscientificmanagement,masteroffamilyfinancialmanagementknowledgeandskillsandtodevelopappropriatefinancialmanagementstrategyisthestartingpointofwritingthisarticle.Beginningwiththefamilyfinancialsourcesandthedevelopmentoffinancialmanagementofbothhomeandabroad,Thisarticleoutlinestheimportanceoffamilyfinancialmanagement,themaincontentsoffinancialmanagement,aswellasthetheprinciplesoffinancialmanagement.Familyfinancialmanagement,thatis,long-termfinancialplansandarrangements,whichisbasedonahouseholdbasis,throughthefamilyassetsandliabilitiesofareasonableconfiguration,toavoidrisks,toensurethatthefamilymaintainedvalueandaddedvalueofassetsandachievefinancialsecurityandfreedom.BasedonaquestionnairesurveyofShijiazhuangfinancialstatusof280families,Thearticleanalyses10aspectsofthesituation,suchasthefamilysfinancialawareness,financialproducts,financialmanagement,financialgoals,savings