关于我国居民家庭财富最优化配置的一些思考-工商管理专业论文.docxVIP

98M203李丽 98M203李丽 关于我国居民家庭财富最优化配置的一些思考 1摘要 改t誊开放以来，我幽经济直持续高速发展，居民收入不断提高，积累的家庭 资产也譬}：升趋势。掷：涧查，饿l卜2002年6月我国城市居民家庭财产户均总值为 22．83万元。同时，我国居民理财感以增强。有调查显示．41％的被渊蠢者表示有家 庭理划需求。家庭理则越来越受剑人们的关注。 本文从介绍家庭理财的背景入手，对其涉及到的家庭资产、负债、收入和支{{{ 做了较明确的定义，分机了我国麟民家庭理财的外部环境和内部条件，提出了理财 的必要性和可达到的目标。对我国居民I_i_I前家庭财产的总鳖、分布以及具体的构成 情况作了详细的描述和结构性分析。同叫引入了理财涉及到的多门相关学科的一些 理论知识及其在理财实际中的应用，并在此基础上阐述了进行家庭理财的一系列过 程，建立家庭理财档案、进行家庭预算和核算、家庭理财目标设定、理想的家庭资 产配臀模式和根掘年龄调整投资比例等。文章着重阐述了家庭理财中的置业计划和 保险计划。I司时还试着指出居民家庭理财中存在的误区和应对办法以及如何安全理 财，避丌债务陷阱。 家庭理财从微观方面来看，只是～+个家庭所做的财务管理和资源优化配置，似 乎不值一提。但家庭作为社会的组成单位，如果每个家庭资产都能进行优化配置， 则社会的整体资源利用效率也相应得到提高。 关键词：家庭理财理财规划优化配置 98M203李丽 98M203李丽 关于我国居民家庭财富最优化配置的一些思考 2 Abstract With the reformation and opening in China．Chinese is keeping developing fleetly．the of Chinese resident is increasing．It’s reported that the average of each household in Chinese city is 228，300RMB tiIl June，2002．The financing consciousness of Chinese resident is enhancing．41％of the investigatee has the demand of financing．Family financing is concerned by and people． Beginning with the background of family financing，the family debt、avenue and expenditure defined in detail．The exterior environment and interior condition of familY financing in Chinese analysized．This article also points the attainable of family financing and describes the situation of family arranging in Chinese resident．Some relative theories of financing introduced and the application of these theories elaborated．How the family is discussed．It includes five parts：how collect and design the family financial reports．how predict and calculate the family and expenditure，how the target of family financing，the ideal pattern of fami ly arranging，how adjust the ratio of fami ly investment with age． The plans of buying house and insurance in family financing reported in detail．This article also tries demonstrate the wrong in familY financing and gives suggestions．Family finance