个人投资理财方式发展浅析

论文编号:JR190  论文字数:10966,页数:15 附任务书，开题报告，外文翻译

 摘　　要
 
 改革开放30年来，随着我国经济持续快速增长，人民收入水平日益提高，投资理财观念也逐步深入人心，崇尚理财、注重投资，已经成为风靡全球的理念。本文首先介绍了我国个人投资理财市场，阐述了个人投资理财方式的发展背景及演进过程，指出我国个人投资理财还处在初级阶段，发展尚不成熟。然后针对现状中存在的诸如我国金融法规不健全、政府的调控力度不够、城乡居民投资理财发展不均衡、我国居民投资理财的渠道仍比较单一，投资理财较为盲从等问题，进而就完善个人投资理财方式提出了切实可行的建议。在个人投资理财发展迅猛的今天，本文的论述有一定的现实意义。个人投资理财的发展，一方面，科学的投资理财方式能够让人形成好的管理金钱的习惯,培养理财的意识；另一方面，人们通过科学的投资理财方式能使个人资金得到最好的安排和最大程度的发挥，规避意外风险，及时获取相对安全的高收益的回报，提高个人的生活品质。

关键词：个人投资理财；金融监管；分散投资
 
 
 
 
 Development of personal finance and investment approach
 ABSTRACT
 
 With 30 years of reform and opening up, China''s sustained and rapid economic growth, increasing people''s income levels, investment and financial management concepts have gradually accepted by the people advocating financial management, focusing on investment, has become a popular idea around the world. This paper introduces the personal finance and investment market in China, described the way the development of personal finance and investment background and evolution, pointed out that personal finance and investment in China is still at the initial stage of development is not yet mature. Then exist for the status quo, such as China''s financial laws and regulations are not sound, less government regulation and control, urban and rural residents finance and investment, uneven development, investment and financing channels for Chinese residents are still relatively simple, more investment and financial management issues such as blind obedience, and then to improve the personal investment financial management put forward practical proposals. Rapid growth in personal finance and investment today, this article discusses certain practical significance. Personal finance and investment development, on the one hand, the investment banking approach to science makes the formation of good money management habits, cultivate awareness of financial management; the other hand, investment in people through a scientific way of managing money can make the best arrangements and funding the greatest degree of play, the relative safety of timely access to high-yield returns, avoid the risk of accidents and improve the quality of life.

Key words: Personal financial investment; financial supervision; diversified investment
 

目　　录
 
引言 1
1　个人投资理财市场概述 2
 1.1　个人投资理财的定义 2
 1.2　个人投资理财的范围 2
 1.3　个人投资理财的方式 2
2　个人投资理财方式的发展及现状 4
 2.1　个人投资理财宏观环境分析 4
 2.2　个人投资理财发展的背景及观念的演进 4
 2.3　个人投资理财的发展现状及存在的问题 6
3　完善我国个人投资理财方式的措施建议 8
 3.1　从宏观角度分析，国家应为个人投资理财创造良好的外部环境 8
 3.2　从金融机构改革的角度分析，金融机构应拓展新领域和专业服务 8
 3.3　从投资市场管理的角度分析，政府应加大调控力度 8
 3.4　从中介机构的角度分析，应完善金融机构的运行机制 9
 3.5　从理财意识角度分析，应遵循理性、长期、创新及分散投资原则 9
结论 11
参考文献 12
致谢 13