有媒体称中国已经进入了理财的时代，远离贫穷，做个有钱人已经成为人们理财的最大追求。今天，我们正处在从落后走向先进的过程中，此时弄清楚我们的理财观念与当今世界最发达国家人民的理财观念还有哪些差别，当前理财观念仍处于启蒙期的我国百姓应该建立什么样的理财观念并使之成为我们持之以恒的行为、习惯甚至成为我们的性格，以使我们不仅有创造财富的能力，更有善于打理财富的能力。只有依靠科学的理财知识，合理的管理自己的钱财，才能让低收入家庭“衣食无忧”，让工薪家庭生活富足，才能让低起点的创业者迅速积聚起创业所需要的资金，把财富的雪球越滚越大，最终使中国百姓家庭生活幸福。家庭是社会的细胞，和谐家庭建设好了，不言而喻 ， 必将有助于构建社会主义和谐社会。这就是本文的写作初衷。关键词：中国；西方；理财观念；比较AbstractSome media said that China has entered the era of wealth management, away from poverty, to be a rich man has become the greatest pursuit of financial management. Today, we are in the process from backwardness to advanced, then figure out our concept of financial management and financial management concepts of people in one of the world's most developed countries and what differences, the current financial management concept is still in of the Enlightenment period of our country people should establish what kind of financial management concepts and as we persevere in the behavior, habits and even become our character, so we not only have the ability to create wealth and more able to manage the wealth. Only rely on scientific knowledge of financial management and reasonable manage their money, to make low income families "fullness"， let the working-class life be abundant, can let the low starting point of entrepreneurs quickly amassed entrepreneurial needed funds, the wealth snowball snowball, and ultimately enable the Chinese people the happiness of family life. Family is the cell of society, the harmon...
