昆明市居民家庭理財(cái)調(diào)查研究
發(fā)布時(shí)間：2018-10-16 16:22
【摘要】：改革開放以來，隨著我國經(jīng)濟(jì)的飛速發(fā)展，居民收入不斷增長，財(cái)富不斷積累，人們的生活水平得到了較大提高,消費(fèi)觀念和消費(fèi)結(jié)構(gòu)出現(xiàn)了重大轉(zhuǎn)變，居民家庭理財(cái)也在發(fā)生著巨大的變化，越來越為城市家庭所重視。另外，日益豐富的投資工具對(duì)人們的投資理財(cái)能力也提出了新的迫切要求�？梢哉f，我國已進(jìn)入投資理財(cái)時(shí)代，居民的投資理財(cái)熱潮持續(xù)高漲。但究竟現(xiàn)今居民家庭理財(cái)?shù)默F(xiàn)狀是個(gè)什么樣子，存在的問題是什么，問題的根源是什么，怎么制訂理財(cái)策略，是本文主要研究和解決的問題。 本論文首先從家庭理財(cái)中外研究文獻(xiàn)綜述入手，分析得出國外學(xué)者對(duì)家庭理財(cái)研究理論較為全面成熟，我國對(duì)于家庭理財(cái)研究還處于不斷探索中。 在理論基礎(chǔ)部分，本文首先歸納出了家庭理財(cái)?shù)亩x，即：是對(duì)家庭資產(chǎn)與財(cái)務(wù)的長期規(guī)劃和安排。其次，指出了家庭理財(cái)?shù)闹饕饔茫阂皇瞧胶猬F(xiàn)在和未來的收支；二是提高生活水平；三是規(guī)避風(fēng)險(xiǎn)。再次，指出了家庭理財(cái)?shù)膬?nèi)容包涵現(xiàn)金規(guī)劃、儲(chǔ)蓄規(guī)劃、消費(fèi)信貸規(guī)劃、金融投資規(guī)劃、房地產(chǎn)規(guī)劃、保險(xiǎn)規(guī)劃、稅收規(guī)劃、子女教育規(guī)劃、退休規(guī)劃、遺產(chǎn)規(guī)劃等十個(gè)方面。最后，對(duì)生命周期假說理論和投資組合理論進(jìn)行闡述，把這兩個(gè)理論如何在家庭理財(cái)中應(yīng)用進(jìn)行了分析。 在實(shí)證分析部分，本文對(duì)昆明市310戶家庭理財(cái)現(xiàn)狀進(jìn)行問卷調(diào)查，并對(duì)數(shù)據(jù)進(jìn)行匯總歸類統(tǒng)計(jì)，經(jīng)對(duì)數(shù)據(jù)進(jìn)行研究分析得出昆明市居民家庭理財(cái)?shù)默F(xiàn)狀：理財(cái)意識(shí)淡薄、風(fēng)險(xiǎn)承受能力弱、投資意識(shí)不強(qiáng)、對(duì)保險(xiǎn)認(rèn)識(shí)有偏差、理財(cái)方式保守、理財(cái)缺泛理性、忽視退休養(yǎng)老規(guī)劃、教育基金比例低、生活開支高，用于投資比例小、家庭理財(cái)目標(biāo)不明確等十方面。經(jīng)進(jìn)一步分析挖掘出六方面成因：理財(cái)觀念落后、缺乏專業(yè)人員指導(dǎo)、對(duì)保險(xiǎn)業(yè)務(wù)有偏見、總體收入偏低、宣傳力度不夠、風(fēng)險(xiǎn)控制不足等。針對(duì)成因，本文提出優(yōu)化家庭理財(cái)策略：樹立良好理財(cái)觀念、掌握理財(cái)知識(shí)預(yù)防投資風(fēng)險(xiǎn)、建立高素質(zhì)理財(cái)隊(duì)伍、優(yōu)化金融機(jī)構(gòu)軟硬件、優(yōu)化結(jié)構(gòu)分散投資、科學(xué)理財(cái)步驟實(shí)現(xiàn)財(cái)務(wù)自由。 基于理論與實(shí)證分析，結(jié)合上述理財(cái)策略，進(jìn)一步地，本文以不同生命周期階段家庭理財(cái)個(gè)案為例，，對(duì)個(gè)案家庭理財(cái)相關(guān)信息資料、理財(cái)目標(biāo)、家庭資產(chǎn)和負(fù)債狀況進(jìn)行了分析，并給出個(gè)案家庭理財(cái)?shù)慕ㄗh，同時(shí)擴(kuò)展歸納出單身期、家庭形成期、家庭成長期、家庭成熟期、退休期五個(gè)不同生命周期階段的家庭理財(cái)建議。 全文最后進(jìn)行總結(jié)，指出了本文研究的不足，并對(duì)未來研究?jī)?nèi)容和研究方向進(jìn)行了展望。
[Abstract]:Since the reform and opening up, with the rapid development of our country's economy, the residents' income is increasing, wealth is accumulating, people's living standard has been greatly improved, and the consumption concept and structure have changed greatly. Household financial management is also undergoing tremendous changes, more and more attention is paid to urban families. In addition, the increasingly abundant investment tools put forward new and urgent requirements for people's ability of investment and financial management. It can be said that our country has entered the era of investment and financing, and the upsurge of investment and financing of residents. However, what is the present situation of household financial management, what is the problem, what is the root of the problem, and how to formulate the financial management strategy, is the main research and solution of this paper. This paper begins with the literature review of domestic and foreign research on family finance, and concludes that the theory of family finance research by foreign scholars is more comprehensive and mature, and the research of family finance in our country is still in the process of exploration. In the theoretical foundation part, this paper first induces the definition of family finance, that is, the long-term planning and arrangement of family assets and finance. Secondly, it points out the main function of family finance: first, to balance the present and future income and expenditure; second, to improve the living standard; third, to avoid risks. Thirdly, the paper points out that the contents of family financial management include ten aspects: cash planning, savings planning, consumption credit planning, financial investment planning, real estate planning, insurance planning, tax planning, children's education planning, retirement planning, and inheritance planning. Finally, the life cycle hypothesis and portfolio theory are expounded, and the application of these two theories in family finance is analyzed. In the part of empirical analysis, this paper carries on the questionnaire survey to 310 families in Kunming, and classifies the data. Through the research and analysis of the data, the paper draws the conclusion that the current situation of the household financial management in Kunming: weak awareness of financial management. The risk bearing ability is weak, the investment consciousness is not strong, has the deviation to the insurance understanding, the financial management way is conservative, the financial management lacks the pan-rational, neglects the retirement pension plan, the education fund proportion is low, the living expenses is high, the investment proportion is small, Family financial goals are not clear and so on 10 aspects. Through further analysis, six causes are found: backward concept of financial management, lack of professional guidance, prejudice to insurance business, low overall income, insufficient propaganda, insufficient risk control, etc. In view of the causes, this paper puts forward the strategies of optimizing family financial management: setting up a good concept of financial management, mastering the knowledge of financial management to prevent investment risks, establishing a high-quality financial management team, optimizing the software and hardware of financial institutions, and optimizing the structure of decentralized investment. Scientific financial management steps to achieve financial freedom. Based on the theoretical and empirical analysis, combined with the above financial management strategies, this paper takes different life cycle family finance cases as an example, to the case of family finance related information, financial objectives, The family assets and liabilities are analyzed, and the suggestions of individual family finance are given. At the same time, the single period, the family forming period, the family growth period, the family maturity period are extended and summed up. Family finance advice for five different life cycle stages of retirement. At the end of this paper, the deficiency of this paper is pointed out, and the future research content and research direction are prospected.
【學(xué)位授予單位】：云南師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：TS976.15
本文編號(hào)：2274962
[Abstract]:Since the reform and opening up, with the rapid development of our country's economy, the residents' income is increasing, wealth is accumulating, people's living standard has been greatly improved, and the consumption concept and structure have changed greatly. Household financial management is also undergoing tremendous changes, more and more attention is paid to urban families. In addition, the increasingly abundant investment tools put forward new and urgent requirements for people's ability of investment and financial management. It can be said that our country has entered the era of investment and financing, and the upsurge of investment and financing of residents. However, what is the present situation of household financial management, what is the problem, what is the root of the problem, and how to formulate the financial management strategy, is the main research and solution of this paper. This paper begins with the literature review of domestic and foreign research on family finance, and concludes that the theory of family finance research by foreign scholars is more comprehensive and mature, and the research of family finance in our country is still in the process of exploration. In the theoretical foundation part, this paper first induces the definition of family finance, that is, the long-term planning and arrangement of family assets and finance. Secondly, it points out the main function of family finance: first, to balance the present and future income and expenditure; second, to improve the living standard; third, to avoid risks. Thirdly, the paper points out that the contents of family financial management include ten aspects: cash planning, savings planning, consumption credit planning, financial investment planning, real estate planning, insurance planning, tax planning, children's education planning, retirement planning, and inheritance planning. Finally, the life cycle hypothesis and portfolio theory are expounded, and the application of these two theories in family finance is analyzed. In the part of empirical analysis, this paper carries on the questionnaire survey to 310 families in Kunming, and classifies the data. Through the research and analysis of the data, the paper draws the conclusion that the current situation of the household financial management in Kunming: weak awareness of financial management. The risk bearing ability is weak, the investment consciousness is not strong, has the deviation to the insurance understanding, the financial management way is conservative, the financial management lacks the pan-rational, neglects the retirement pension plan, the education fund proportion is low, the living expenses is high, the investment proportion is small, Family financial goals are not clear and so on 10 aspects. Through further analysis, six causes are found: backward concept of financial management, lack of professional guidance, prejudice to insurance business, low overall income, insufficient propaganda, insufficient risk control, etc. In view of the causes, this paper puts forward the strategies of optimizing family financial management: setting up a good concept of financial management, mastering the knowledge of financial management to prevent investment risks, establishing a high-quality financial management team, optimizing the software and hardware of financial institutions, and optimizing the structure of decentralized investment. Scientific financial management steps to achieve financial freedom. Based on the theoretical and empirical analysis, combined with the above financial management strategies, this paper takes different life cycle family finance cases as an example, to the case of family finance related information, financial objectives, The family assets and liabilities are analyzed, and the suggestions of individual family finance are given. At the same time, the single period, the family forming period, the family growth period, the family maturity period are extended and summed up. Family finance advice for five different life cycle stages of retirement. At the end of this paper, the deficiency of this paper is pointed out, and the future research content and research direction are prospected.
【學(xué)位授予單位】：云南師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：TS976.15
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