[雙語翻譯]理財(cái)外文翻譯—個(gè)人理財(cái)規(guī)劃過程與家庭社會(huì)經(jīng)濟(jì)決策研究（節(jié)選）

1、字?jǐn)?shù)：英文 字?jǐn)?shù)：英文 2308 2308 單詞， 單詞，13376 13376 字符；中文 字符；中文 4089 4089 漢字 漢字出處： 出處：S Shah, Shah, AS AS Bhatt. Bhatt. A Study Study of of Personal Personal Financial Financial Planning Planning Process Process and and Socio-Econo

2、mic Socio-Economic Decision-Making Decision-Making in in Households[C] Households[C] Social Social Science Science Electronic Electronic Publishing.2016 Publishing.2016外文文獻(xiàn)： 外文文獻(xiàn)： A Study of Personal Financial Planning P

3、rocess and Socio-Economic Decision-Making in HouseholdsAbstract In the current era, planning of finance is assuming extreme importance as myriad financial products are available and individuals’ demands are increasing.

4、Personal financial planning is a process which outlines one’s financial objectives and takes financial decisions in a manner that his goals are achieved. The process of financial planning and decision-making in household

5、 has been studied independently by various researchers. However, these are essentially intertwined in nature. In view of this, the researchers have undertaken the task of understanding whether individuals followed the Pe

6、rsonal Financial Planning process consciously and whether this was linked to household decision-making, especially in the social and economic areas. This paper also examines gender inequality in household decision-making

7、 and how household decision-making evolves with time. The study was conducted in the Ahmedabad district of Gujarat, and a sample size of 196 respondents was selected on judgmental basis to meet the objective of the study

8、. The response rate was 78% (n=150) which is considered to be acceptable for a research study. The sample size was equally split between males and females. The survey was carried out in June- July, 2014.Analysis has been

9、 done by using Analysis of Variance (ANOVA), Binary Logistic Regression and Chi-square.It was found that age influences components of Personal financial planning has to enjoy an acceptable lifestyle. Sociological researc

10、h data indicate that four factors strongly predict happiness and overall well- being in most cultures: health, economic status, employment, and family relationships. People are happier when they are healthy, employed, ma

11、rried or in a committed relationship, and financially secure. There is a relationship between an individual’s ability to do something (competence) and well-being (both self-perceived happiness and economic well-being). W

12、ell- being is, at least in part, a product of competent behaviour enacted consistently over time. Financial capability and financial competence therefore influence a person’s well-being. The opportunity accorded to peopl

13、e to engage with the formal financial system and how well they manage the money they have will influence their standard of living and the standard of living of those for whom they are responsible.Like never before, resea

14、rchers, public authorities, community groups, industry associations and international organisations, are initiating financial literacy programmes and want to understand how people can become financially literate, or in o

15、ther words, have the knowledge, understanding, skills and competence to deal with everyday financial matters and make the right choices for their needs.2.Literature Review2.1.Financial Literacy & PlanningVery few art

16、icles and research papers were found those have founded identical theories of personal financial planning. The term personal finance is having its root in micro-economics, finance and behavioral science as this area orig

17、inated from home economics to various finance theories to behavioral finance. An Individual, as a consumer, is a rational being who tries to use his or her money income to derive the utmost amount of consummation or util