城镇家庭投资理财问题研究——以河北省为例-金融学专业论文.docxVIP

摘 要 摘 要 改革开放以来，我国从计划经济体制逐步向市场经济体制转变，综合国力不断增强， 生产力长足发展，居民可支配收入不断增加。随着我国居民家庭财富快速积累，居民储 蓄率不仅高于 GDP 增长率，而且高于居民收入增长率，这就造成了财富的严重缩水。 河北省作为地处华北、渤海之滨的大省份，2012 年城镇居民人数增加至 3410.53 万人， 人均年平均工资为 38658 元，于是不再满足于银行储蓄这样简单的理财手段，而是开始 尝试越来越多新的理财工具和渠道，从而对家庭经济生活风险进行有效的规避。本文从 生命周期理论出发，以经济学为指导，以会计学为基础，结合传统的金融学为手段，利 用微观家庭调查数据，着重探讨河北省城镇家庭理财与消费现状，金融市场发展对河北 省城镇家庭理财影响、城镇家庭理财最优组合的定量探讨等,力求完善我省城镇家庭资 产组合，合理分配不同生命周期的家庭投资，为推进我省城镇家庭理财健康发展提出对 策和建议。 关键词 城镇家庭理财 生命周期 投资组合 收益风险 Abstract Abstract China has developed from the planned economy system into market economic system gradually since the implementation of reform and open policy. Ever since then, China has achieved remarkable economic growth, advanced comprehensive country strength, together with improving peoples living level. Along with the rapid accumulation of household wealth, household savings has not only exceeded the GDP growth, but also the income growth, which created massive wealth destruction. Hebei province, located in the north of china, lies by the coast of the Bohai sea, has a large population of the urban residents by 34.1053 million in 2012. The average annual salary of the people there is about 38658 yuan. People are no longer satisfied with simply bank saving, they begin to try some new financial tools and channels, which would avoid the risk of family economic life efficiently. This article is embarked from the life cycle theory, guided by the economics, accounting and traditional finance. Our task is to use the micro household survey data to make a deep investigation of existing circumstances of the urban household consumptions and savings in Hebei, the impact of financial market development on urban family finan cial management, and the urban quantitative study on the best combination of urban household financial management. Above all, we would give solutions and advices on ways to improve our urban household portfolio, make reasonable distribution on family investment of different life cycle, which would promote the healthy d