80后家庭理财规划的问题研究.docVIP

80后家庭理财规划的问题研究 摘要 我国自1978年计划生育政策实行以来，第一批独生子女 “80后”已到结婚生子的年龄，这使得中国传统家庭结构发生的很大改变，若两个独生子女家庭的结合结婚为一个家庭，则这对夫妻要赡养4个老人，抚养一个小孩。而现如今二胎政策的实施，这对“80后”夫妻可能将要抚养两个小孩。这种“421”或“422”家庭结构模式使“80后”两个小夫妻承受的经济压力巨大。 鉴于这种家庭结构的特殊性，“80后”家庭更应该注重家庭理财的合理规划，保障自身财富的升值，减小生活压力。然而我国理财市场并不成熟，并且有些投资者并不具备相应的理财能力，本文以“80后”这一特殊的群体为对象，结合目前市场形势，为“80后”家庭提供一套比较全面的理财方案。 本文通过问卷调查法，对“80后”青年对于投资规划，子女教育金，养老等问题进行深入研究分析，根据其特殊的家庭模式结构，针对问题提出如何进行合理的财务规划解决方案，规避财务风险，有效利用资源使资产最大化，早日实现财务自由。 关键词：“80后”家庭，理财问题，理财规划 Research on the problem of the family planning of the 80’s family Abstract Since the family planning policy, the first batch of the product of the policy of after 80 has to marry and have children age, this makes a lot of change in the traditional Chinese family structure, if the combination of the two one-child family, the couple to support four old man, raising a child, but now the implementation of the two-child policy, the 80’s husband and wife may be about to bring up two children. The 421 or 422 family structure model to make 80 after two small couples under economic pressure. For the particularity of the family structure, 80s family should pay attention to the family finances more reasonable planning, safeguard their own wealth appreciation, reduce the pressure of life. Chinas financial market is not mature, however, and some investors do not have the corresponding financing ability, based on the 80s the special group as the object, combined with the current market situation, for 80sfamily provides a set of comprehensive financial plans. In this paper, through questionnaire survey, the 80s youth for investment plan, children education foundation, pension and other issues in-depth study and analysis, according to its special structure of family pattern, in view of the problems put forward effective solutions, avoid financial risk, effective use of resources to maximize asset, as soon as possible to achieve financial freedom. Key Words: 80’s family, Financial problems, Financial planning 一、 绪论 近年来随着经济水平的提高，人们的收