辽宁省朝阳市居民理财产品发展中存在的问题与对策

辽宁省朝阳市居民理财产品发展中存在的问题与对策摘要随着我国经济的发展，理财产品发展速度逐渐提高，尤其是在丰富国内金融市场经济活力、吸收大量资金不断涌入资本市场等许多方面发挥着越来越重要的作用。但是国内理财产品的发展，相对国外，国内居民理财产品因为其市场发展不稳定、居民思想观念落后等原因，一直以来很难获得城镇居民对于理财产品的资金支持，甚至中国居民理财理念缺失严重影响着其理财产品发展。本文以辽宁省朝阳市居民理财产品的发展存在的问题进行研究，通过问卷调查等方式，查阅相关资料并结合文献资料，针对其居民理财产品发展过程中具体存在的问题进行分析，这些问题还普遍存在于其他地区的居民理财产品当中，影响是不利于朝阳及地区居民长期发展投资理财。后续主要针对这些问题提出相关对策，使得对策具有针对性，促使辽宁省朝阳市居民理财方式得到改进、理财产品持续稳定发展，还能对其他地区居民理财产品发展的完善具有一些借鉴意义。该文章主要改进对策如下：第一培养和树立正确的理财和选择理财产品观念、第二丰富居民个人理财产品优化投资产品组合、第三拓宽理财信息的获取渠道。最后居民理财产品发展在市场是具有很大的发展空间，但它所面临的问题依旧存在，希望这些改进措施能对后续研究居民理财产品的未来发展有微薄助益。关键词：城镇居民：理财方式；理财产品AbstractWith the development of China's economy,the development speed of financial productsis gradually improving,especially playing an increasingly important role in enriching thevitality of the domestic financial market economy,absorbing a large amount of funds andconstantly pouring into the capital market.However,in the development of domestic financialproducts,compared with foreign countries,it has been difficult for domestic residents toobtain financial support from urban residents for financial products due to their unstablemarket development and backward residents'ideas,and even the lack of financial concepts ofChinese residents seriously affects the development of their financial products.This paper to ChaoYang city,Liaoning province residents problems existing in thedevelopment of financial products,through questionnaire survey,access to relevantinformation and combined with literature,for the development of the specific problems inother areas of financial products,influence is not conducive to ChaoYang and regionalresidents long-term development of investment and financial management.In the future,relevant countermeasures are mainly put forward for these problems,whichcan make them targeted,improve the financial methods of Chao Yang residents in LiaoningProvince,promote the sustainable and stable development of financial products,and havesome reference significance for the development of financial products of residents in otherregions.The main improvement countermeasures of this article are as follows:first,cultivateand establish the correct concept of financial management and choose financial products,second,enrich residents'personal financial products and optimize the investment productportfolio,and third,broaden the access channels of financial information.Finally,thedevelopment of residents 'financial products has a great development space in the market,butits problems still exist.I hope these improvement measures can be helpful to the futureresearch of the future development of residents'financial products.Keywords:Urban Residents;Financial Management;Financial Products目录摘要.Abstract......绪论1理财产品的概述21.1理财产品的定义21.2理财产品的种类21.3理财产品的特点.31.4理财产品发展的意义…32辽宁省朝阳市居民理财产品发展现状.52.1调查问卷的设计及发放.52.1.1调查问卷的设计….52.1.2调查问卷的发放…52.2调查问卷的实施及结果情况2.2.1收入影响投资产品情况2.2.2受教育情况….72.2.3风险偏好情况92.2.4产品选择情况113辽宁省朝阳市居民理财产品发展中的问题.123.1居民对理财产品缺乏了解….123.2居民理财产品种类单一…133.3居民获取理财产品信息渠道有限.144辽宁省朝阳市居民理财产品的对策及建议.164.1增加居民对理财产品的了解…