個(gè)人理財(cái)規(guī)劃與策略的研究.pdf

1、華北電力人學(xué)_商管理碩十專業(yè)學(xué)位論文摘要本論文對(duì)個(gè)人理財(cái)?shù)母拍罴跋嚓P(guān)要素界定、個(gè)人理財(cái)目標(biāo)及原則等概念群進(jìn)行了理論上的闡述和界定，使居民從個(gè)人角度把握理財(cái)?shù)膬?nèi)容和意義對(duì)中西方的個(gè)人理財(cái)從文化、目的、理財(cái)人員及服務(wù)內(nèi)容等方面用歸納比較的方法做了差‘異性分析，得出由于理財(cái)目標(biāo)和文化差異導(dǎo)致中國(guó)居民有著自己特色的理財(cái)行為接著，對(duì)我國(guó)城鎮(zhèn)個(gè)人理財(cái)環(huán)境和理財(cái)現(xiàn)狀進(jìn)行了分析，并歸納了當(dāng)前我國(guó)個(gè)人理財(cái)存在的一些主要問(wèn)題最后在此基礎(chǔ)上，提出解決個(gè)人理財(cái)

2、的整體建議。關(guān)鍵詞:個(gè)人理財(cái)，策略研究，時(shí)間價(jià)值，風(fēng)險(xiǎn)ABSTRACTThisPaPerintroducethedenizenfinnaeing，5generalideas，interfixbasic，thegoalofdenizen’5financingthroughthetheories.Thereby，fromthePersonalview.Theyeanknowthecontentsofthefinancing.Analyset

3、hedenizen’5financinginconcludfromculture，goalandSerViceS.50theresult15thefinnacingandcultureduetoChinesehastheirownfinnacing.Analysetheinvorimentandactuatilyofthefinnaeing，andPutforwardthemainProblemoffinaneinginoureount

4、ry.LastonthebasiseofthePutforwardtheaPProaehofdenizen’5finaeing.HuangNing(MasterofBusinessAdministration)DirectedbyAss.Prof.LiuChongmingKEYWORDS:Personalfinaneing，Analyseonstrategy，Time’5value，Risk夕華比電力大學(xué)_商管理碩十專業(yè)學(xué)位論文4.1.

5、2無(wú)風(fēng)險(xiǎn)資產(chǎn)與最優(yōu)風(fēng)險(xiǎn)資產(chǎn)組合相結(jié)合..................................……284.2生命周期對(duì)投資組合的影響............................................................……284.3個(gè)人財(cái)富對(duì)投資組合的影響............................................................……294.4個(gè)人投

6、資者的風(fēng)險(xiǎn)偏好對(duì)投資組合的影響......................................……29第五章個(gè)人理財(cái)投資方案的設(shè)計(jì).............................................................……，..……315.1個(gè)人理財(cái)?shù)幕静襟E.......................................……315.1.1轉(zhuǎn)變投資理財(cái)觀念....……:....

7、.....................……‘........................……315.1.2策劃階段..................................................................................……325.1.3實(shí)施階段................................................................

8、...................……345.1.4總結(jié)階段...................................................................................……375.2個(gè)人理財(cái)投資方案的系統(tǒng)設(shè)計(jì).........................................................……405.3不同人生階段的理財(cái)規(guī)劃策略........

9、.................................................……405.3.1少年期的理財(cái)規(guī)劃策略.............................................................……415.3.2青年期的理財(cái)規(guī)劃策略.............................................................……415.3.3中年

10、期的理財(cái)規(guī)劃策略.............................................................……435.3.4老年期的理財(cái)規(guī)劃策略.............................................................……44‘J口勺20704444︸勺第六章結(jié)論與展望6.16.2結(jié)論展望參考文獻(xiàn)...............................

11、..............................................................................……致謝............................................……，..............................................................……在學(xué)期間發(fā)表的學(xué)術(shù)論文和參加科研情況.........