居民理财风险及其防范--以股票投资为例.docVIP

PAGE PAGE 16 居民理财风险及其防范--以股票投资为例 摘要 当前，我国的投资理财市场在不断地扩大，随着居民投资理财热潮的持续高涨，我国已进入投资理财时代。目前，除了传统节俭和储蓄这两种理财方式之外，还有其他不同种类的理财产品被居民选择，包括存款、黄金、基金、股票、国债、债券、外汇等等。居民在进行理财的同时也将会面对不同程度的投资风险。如何防范风险及如何合理投资是现在居民所关注的热点。本论文主要以股票投资为例，通过文献研究与定性研究法探究我国居民投资股票的风险及其规避方法，对居民在投资股票的过程当中了解将会出现的各类风险有一定的帮助，并能够对投资风险进行正确的评估，从而熟练掌握相关理论运用到现实中去，提出居民在投资股票的过程当中应意识到采用合理的措施来规避风险，从而确保居民资产的保值增值。 关键词：居民理财；股票投资；规避风险 ABSTRACT At present, Chinas investment in the financial markets continue to expand, with the residential investment boom continues to climb, China has entered the era of investment. At present, in addition to the traditional thrift and savings of these two kinds of mode of financial management, and other types of financial products by residents, including deposits, stocks, funds, gold. Treasury bonds, bonds, foreign exchange and so on. Residents will face a different degree of investment risk in banking at the same time. How to prevent risks and how to reasonable investment is now popular residents concerned. This paper focuses on the stock investment risk as an example, through literature research and qualitative research method to explore Chinas residents of stock investment and avoidance method of process in stock investment among the residents to understand all kinds of risks will have some help, and be able to carry out the correct evaluation of the investment risk, so as to master the relevant Theory applies to the reality, the residents in the process of investing in stocks should be aware of the use of reasonable measures to avoid risks, so as to ensure the value of the value of the residents assets. Key words: residential finance; stock investment; risk aversion 一、引言 中国的股市从无到有，并成长迅速，对我国的经济建设发挥了相当大的作用。然而由于中国股市产生的特殊经济背景和短暂的时间，中国股市还是一个很不成熟、很不完善的高风险市场。由于太多的不确定性因素充斥着股票市场,信息、资金的快速流动使得股价变化太快,从而引起股票市场波动，使得投资股票存在很大的风险。对于我国投资股票的居民来说，造成股票投资风险大的原因特别多，股市本身存在的问题是最难解决的原因之一,几乎所有的股票都受其影响，控制起来有难度；有些是企业或行业内部的原因,通过一些改革是可以控制的;有一部分原因则是居民自身的受教育程度和投资技巧所导致的,这个能够通过学习正确的投资股票技巧去规避的。从而, 通过我国居民个人投资者的角度来看，仔细研究居民在进行股票