贵阳市家庭成长期理财规划影响因素调查分析

贵阳市家庭成长期理财规划影响因素调查分析摘要成长期家庭的周期跨度是从子女出生开始到完成学业为止，该阶段的家庭面临着子女教育金需求增加、老人赡养费用升高、还贷压力持续影响等问题，这些问题正好对应家庭成长期阶段各方面的生活规划。在贵阳市城镇居民家庭收入不断提高、居民投资意愿增强和金融理财产品日益丰富等背景下，家庭作为国民经济的重要组成部分，其家庭理财状况可以反映出一个家庭的动态经济状况。本文以贵阳市城镇居民为切入点，对贵阳市城镇居民家庭理财状况进行调查研究。以家庭生命周期为理论基础，随机的向贵阳市城镇居民发放问卷并及时汇集统计数据、对统计结果加以分析。本文第一部分是理论概述，主要阐述了家庭成长期的内涵、理财规划的内涵、家庭生命周期理论。本文第二部分是贵阳市家庭成长期理财规划影响因素的调查现状，分为调查方法设计与分析以及调查结果。调查结果包括贵阳市家庭成长期理财规划现状和影响因素。本文第三部分是贵阳市家庭成长期理财规划存在的问题，主要包括投资意识和能力欠缺、投资产品种类较少、投资氛围不强三个方面。本文第四部分是推进贵阳市家庭成长期理财规划的建议，分别是培养投资理财意识、丰富投资理财产品种类以及营造良好的投资理财氛围。关键词：成长期家庭：理财规划：投资组合AbstractThe cycle span of a family in the growth period is from the birth of a child to thecompletion of school.Families in this stage are faced with the increasing demand forchildren's education funds,the rising cost of supporting the elderly,the continuous impact ofthe pressure of loan repayment and other problems.These problems exactly correspond to thelife planning of all aspects in the growth period of a family.Compared with other stages of thelife cycle,a family needs to plan more goals in the growth stage,and the completion of eachgoal will directly affect the quality of a family's life.Thus,family financial planning in thegrowth period is a key issue in the life cycle.This paper analyzes and studies the strategies of family financial planning in the growthperiod in China.First,it clarifies the research background,significance and content of familyfinancial planning in the growth period,summarizes the current research status,and clarifiesthe life cycle theory and the concept of family financial planning in the growth period.Secondly,focusing on the gap between the deposit interest rate and CPI,as well as the changeof family structure,this paper analyzes the necessity of family financial planning in thegrowth period.Thirdly,specific strategic suggestions are proposed:it is suggested that families inthe growth period modify their family financial planning model by referring to the StandardPoor's Family Asset Allocation Chart,make financial planning according to their family financialgoals and financial conditions,and then select investment portfolios in their investment accountsaccording to their own risk preferences.Finally,the paper introduces typical cases and applies theabove suggestions to practical examples to demonstrate the development process of familyfinancial planning in the growth stage.Meanwhile,it looks into the development prospects ofChina's family financial planning industry at both the practical and theoretical levels,so as to makethe paper more practical and forward-lookingKeywords:Growing family;Financial planning strategy;Investment portfolio目录摘要Abstract.绪论1家庭成长期理财规划理论概述31.1家庭成长期的内涵31.2理财规划的内涵。31.3家庭生命周期理论.42贵阳市家庭成长期理财规划影响因素的调查现状52.1调查问卷设计与实施52.1.1问卷设计.52.1.2抽样方法52.1.3调查实施2.2调查结果.62.2.1调查对象基本信息..62.2.2贵阳市家庭成长期理财规划情况82.2.3贵阳市家庭成长期理财规划影响因素.93贵阳市家庭成长期理财规划存在的问题.113.1投资意识和能力欠缺................113.2投资产品种类较少…113.3贵阳市家庭投资氛围不佳124推进贵阳市家庭成长期理财规划的建议144.1培养投资理财意识.144.2丰富投资理财产品种类.154.3营造良好的投资理财氛围15结论….17致谢..18参考文献