我国家庭投资理财的发展对策研究AnalysisofthePresentSituationofFamilyInvestmentandFinancialManagementandItsCountermeasures摘要近些年来，随着我们日常经济持续发展，深化市场经济，我们国家经济飞速增长，人民生活水平得到了提高，人均收入也逐步提高。理财产品、家庭投资活动日益被重视起来。在这种形势下，心理意识的提高导致了家庭投资和金融管理的现象。越来越多的家庭正在考虑如何提高资产价值。除了银行存款，他们还投资股票、基金、期货和保险。家庭投资管理在现代社会已成为一种普遍现象，并成为人们关注的话题。然而，许多人其实没有实际去实施金融投资管理，同时也没有所需的投资知识，存在一定的盲投风险，这导致了国内投资的低效和无力应对风险，这是我们居民家庭投资的主要问题之一。根据这一分析，进行了一项调查介绍了家庭投资理财的现状及存在的问题及对策。从调查来看，当前我国居民家庭在投资理财方面还普遍存在一些不容忽视的问题，缺乏科学的投资决策；没有形成有效的投资组合管理方法和策略；缺少良好的风险规避意识与能力。这是中国家庭投资理财中亟待解决的一个突出问题。在此基础上，对我国家庭投资理财的相关问题展开深刻剖析。关键词：居民家庭；投资理财；对策AnalysisofthePresentSituationofFamilyInvestmentandFinancialManagementandItsCountermeasuresAbstractInrecentyears,withthesustainabledevelopmentoftheeconomy,thedeepeningofmarketeconomy,ourcountryeconomyrapiddevelopment,people'slivingstandardisincreasingdaybyday,theresidents'incomeandlivingstandardsincreaseyearbyyear,thepercapitaldisposableincomeincreasegradually,constantlyenrichthetypesoffinancialproductsandinvestmentbankingactivitiesintheincreasinglyhighlighttheimportanceofthefamilyandpersonallife.Inthissituation,people'sideologicalawarenessisconstantlyimproving,whichpromotestheemergenceofthephenomenonoffamilyinvestmentandfinancialmanagement.Moreandmorefamiliesbegantoconsiderhowtomaintainandincreasetheirassets.Inadditiontobankdeposits,theyalsoinvestedininsuranceandotherfinancialmanagement.[1]Familyinvestmentandfinancialmanagementhasbecomeacommonphenomenon,butalsobecomeatopicintoday'ssociety.However,manypeopledonotreallyunderstandtheinvestmentandfinancing,lackofnecessaryinvestmentandfinancingknowledge,theexistenceofcertainblindnessandriskofinvestment,resultinginlowefficiencyofhouseholdinvestmentandfinancingincome,poorabilitytoresistrisk,whichistheoutstandingproblemofhouseholdinvestmentandfinancinginChina.Thisarticlemainlystudiesandstudiesthecurrentsituationofhouseholdinvestment,existingproblemsandsolutions.Ididanin-depthanalysis.KeyWords：Household；Investmentandfinancialmanagement；Countermeasure目录摘要..........................................................................................................................IAbstract......................................................................................................................II一、绪论......................................................................................................................1（一）研究背景..................................................................................................1（二）研究的目的与意义...................................................................................1（三）研究思路与研究内容...............................................................................2（四）研究方法与拟创新之处...........................................................................2二、理论基础与文献综述.................................................................
