个人及家庭理财规划策略研究工商管理专业论文.docx

哈尔滨工业大学工商管理硕士学位论文 哈尔滨工业大学工商管理硕士学位论文 - - II - Abstract With the rapid development of the Chinese economy, the manageable income of the Chinese is increasing. Their financial and consuming concepts are changing from the single form into multiple ones. To be specific, it not only takes the form of savings, but also extends to the field including payment, individual capital management, financing and investment. Therefore, individual capital management will impenetrate the future daily life of Chinese, and the different choices of its forms will decide their financial status in the society. This dissertation focuses its attention on the hotspot issue of individual and family financial programming. According to the income, defray and the financial risk enduring ability of various groups of people, this dissertation provide some projects, with the help of the theories of the financial programming and miscellaneous financial tools like savings, funds and insurance. Firstly, the current financial development situation in China was introduced. Meanwhile, the financial programming theories were presented from some perspectives such as the definition, final goal and the procedure of the individual financial management and the new ways and procedures of the financial programming were proposed. Secondly, both the qualitative and quantitative methods were used to explain the way to work out suitable financial programming that was in accordance with the different stages of individual life, different financial concepts and the individual investment preferences. Afterwards, the various financial programming strategies are made to meet the need of different groups of people with different income recourses. During this process, the importance of making family budget was emphasized. Finally, the research was carried out on the financial risk management and financial cash flow management by analyzing the amount of family cash flux. The aim was to explore the effective ways of evading and