葫芦岛市居民理财过程中存在的问题与对策

葫芦岛市居民理财过程中存在的问题与对策摘要新时代的网络信息技术蓬勃发展，对金融服务领域也产生了巨大变革。随着人们对金融业务和金融商品的认识，个人投资理财服务也日益获得人们重视。尤其对普通市民来说，从个人财产的保值、增长角度，人们怎样进行投资理财、怎样均衡经营风险和利润等现实问题已成社会热点议题。而金融服务领域多元化投资理财产品的问世，让市民对资产的管理不在只是存款。投资理财时代的来临，让证券、股票、保险、信托、不动产、黄金、外币等金融工具，成为了更多市民投资理财的新选项。在这种背景下，本文通过问卷设计调查的方法对葫芦岛投资理财现状进行了分析，找到了居民投资理财过程中存在的一系列的问题，并对这一系列的问题提出了一系列可以改善居民理财的方法，让投资理财变得更加简单、容易，养成一个良好的投资理财的习惯，让居民可以更好的了解投资理财，让居民在生活中更好去进行投资理财，让居民可以更好的实现盈利，让投资理财成为居民日常生活中的一部分，具体如下：首先对葫芦岛投资理财进行了概述，分别阐释了投资理财的概念，现状，投资理财的种类和投资理财的意义，然后对现状进行了调查分析，设计了问卷，并进行了理财渠道调查结果，受教育程度调查结果，理财产品了解度调查结果，理财承受能力调查结果进而发现了居民投资理财中所存在的问题，然后提出了扩展投资理财渠道，普及投资理财知识并让其适当掌握，提升居民的受教育程度，制定科学的投资理财规划方案的优化建议。关键词：理财规划；居民理财；理财产品AbstractThe vigorous development of network information technology in the new era hasalso brought great changes to the field of financial services.With people'sunderstanding of financial business and financial products,personal investment andfinancial services have attracted more and more attention.Especially for ordinarycitizens,from the perspective of the preservation and growth of personal property,how to invest and manage money and how to balance business risks and profits havebecome a hot topic in society.The advent of diversified investment and financialproducts in the field of financial services has enabled citizens to manage assets morethan just deposits.With the advent of the era of investment and financial management,securities,stocks,insurance,trust,real estate,gold,foreign currency and otherfinancial instruments have become a new option for more citizens to invest andfinance.In this context,this paper analyzes the current situation of Huludao investmentand financial management through the method of questionnaire design and survey,finds a series of problems existing in the process of residents'investment and financialmanagement,and puts forward a series of methods that can improve residents'financial management,make investment and financial management simpler and easier,form a good habit of investment and financial management,and let residents betterunderstand investment and financial management,Let residents better carry outinvestment and financial management in their life,so that residents can better realizeprofits,and make investment and financial management a part of residents'daily life.The details are as follows:firstly,this paper summarizes Huludao investment andfinancial management,explains the concept,current situation,types and significanceof investment and financial management respectively,then investigates and analyzesthe current situation,designs a questionnaire,and carries out the survey results offinancial management channels,The results of education level survey,financialproduct understanding survey and financial affordability survey further found theproblems existing in residents'investment and financial management,and then putforward the optimization suggestions of expanding investment and financialmanagement channels,popularizing investment and financial management knowledgeand letting them master