I摘 要随着我国经济的不断发展，互联网技术的应用和普及，使得我国居民投资理财的意愿和能力都不断上升。但居民的投资理财认知与习惯参差不齐，且有许多机构借助互联网进行非法融资，给投资者造成了不小的财产损失。因此作者计划挑选陕西省和浙江省两地居民进行分析。主要采用文献分析法、问卷调查法以及对比分析法对两地居民投资理财的认知与习惯进行分析。本文将阐述居民家庭投资理财模式研究的意义、内容和方法，并界定居民家庭投资理财的概念和目标。论述家庭投资理财相关背景，总结国内投资理财现状，并分析两地居民的投资理财渠道，如股票、基金、债券、保险、储蓄等。并对其理财渠道的收益、风险、流动性进行比较分析。最后给出适合两地居民投资理财的合理建议。关键词：投资理财；风险；收益IIAbstract With the continuous development of China's economy and the application and popularization of Internet technology, the willingness and ability of Chinese residents to invest in financial management are increasing. However, residents' cognition and habits of investment and financing are uneven. Many institutions have illegally financing with the help of Internet, which has caused huge losses to investors. Therefore, the author plans to select the residents of Shaanxi and Zhejiang provinces for analysis. This paper mainly adopts the method of literature analysis, questionnaire survey and comparative analysis to analyze the cognition and habits of the investment and financial management of the residents of the two places.This article will explain the meaning, content and method of the research on the model of household investment and financial management, and define the concept and goal of household investment and financial management. This paper discusses the background of family investment and financial management, summarizes the current situation of domestic investment and financing, and analyzes the investment and financing channels of residents, suc...
