個人投資理財方式發展淺析

金融論文編號:JR190  論文字數:10966,頁數:15 附任務書，開題報告，外文翻譯

目　　錄
 
引言 1
1　個人投資理財市場概述 2
 1.1　個人投資理財的定義 2
 1.2　個人投資理財的范圍 2
 1.3　個人投資理財的方式 2
2　個人投資理財方式的發展及現狀 4
 2.1　個人投資理財宏觀環境分析 4
 2.2　個人投資理財發展的背景及觀念的演進 4
 2.3　個人投資理財的發展現狀及存在的問題 6
3　完善我國個人投資理財方式的措施建議 8
 3.1　從宏觀角度分析，國家應為個人投資理財創造良好的外部環境 8
 3.2　從金融機構改革的角度分析，金融機構應拓展新領域和專業服務 8
 3.3　從投資市場管理的角度分析，政府應加大調控力度 8
 3.4　從中介機構的角度分析，應完善金融機構的運行機制 9
 3.5　從理財意識角度分析，應遵循理性、長期、創新及分散投資原則 9
結論 11
參考文獻 12
致謝 13

摘　　要
 
 改革開放30年來，隨著我國經濟持續快速增長，人民收入水平日益提高，投資理財觀念也逐步深入人心，崇尚理財、注重投資，已經成為風靡全球的理念。本文首先介紹了我國個人投資理財市場，闡述了個人投資理財方式的發展背景及演進過程，指出我國個人投資理財還處在初級階段，發展尚不成熟。然后針對現狀中存在的諸如我國金融法規不健全、政府的調控力度不夠、城鄉居民投資理財發展不均衡、我國居民投資理財的渠道仍比較單一，投資理財較為盲從等問題，進而就完善個人投資理財方式提出了切實可行的建議。在個人投資理財發展迅猛的今天，本文的論述有一定的現實意義。個人投資理財的發展，一方面，科學的投資理財方式能夠讓人形成好的管理金錢的習慣,培養理財的意識；另一方面，人們通過科學的投資理財方式能使個人資金得到最好的安排和最大程度的發揮，規避意外風險，及時獲取相對安全的高收益的回報，提高個人的生活品質。

關鍵詞：個人投資理財；金融監管；分散投資

 
 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