高收入家庭投资理财方案设计与分析..docVIP

摘 要 随着市场经济不断发展最近几年我国城乡居民储蓄总额高达约48.53万亿元，居民家庭可支配收入日益增加，由此带动高收入家庭数量不断攀升。但是受到传统思想观念的约束和专业投资理财知识的限制，目前我国相当大比重的高收入家庭倾向于将大部分闲置资金投资于银行一般性储蓄业务中的定、活期存款业务。在当今全球性经济产能过剩、经济危机下的通货膨胀等引发的频繁降息的背景下，银行的一般性储蓄等理财方式对于大多数家庭来说这是一种资产流失。 通过中国中国社会调查事务所的统计数据不难发现，目前国内高收入家庭中有超过70%的家庭自身限制资产没有得到专业性的投资理财分析，这不仅使资金价值处于下行状态，同时使得资金的利用率不断降低。目前，我国金融机构推出的各类理财产品层出不穷，在这种火热的发展态势下，如何合理的对家庭限制资金进行财务筹划，保证财产增值速度超过货币购买力下行的速度，是国内众多高收入家庭关注的重中之重。笔者通过本文，将高收入家庭投资理财方案作为实验案例，使用理论与案例相结合的方法进行研究，进行高收入家庭理财计划的设计。这样不仅有利于促进社会贫富差距缩小，同时更加有利于塑造正确的家庭投资观念，提高人民的生活水平。 关键词：高收入 家庭理财 计划设计 案例分析 ABSTRACT With?the?continuous?development?of?market?economy?in?recent?years,?total?household?savings?of?up?to?about?48.53?trillion?yuan,?increasing?household?disposable?income,?thus?driving?the?rising?number?of?high-income?families.?But?by?the?limitations?of?traditional?ideas?and?the?constraints?of?professional?finance?and?investment?knowledge,?at?present?a?large?proportion?of?high-income?families?tend?to?be?idle?most?of?the?funds?invested?in?bank?savings?business?in?general?fixed,?demand?deposits?business.?Global?overcapacity?in?the?economy?today,?under?the?background?of?frequent?interest?rate?cuts?triggered?by?inflation?and?other?economic?crisis,?a?general?savings?banks?and?other?financial?way?for?most?families,?this?is?a?loss?of?assets. Chinese?statistics?by?China?Social?Investigation?Office?is?not?difficult?to?find,?more?than?70%?of?household?assets?has?not?been?self-limiting?professional?finance?and?investment?analysis?of?the?current?domestic?high-income?households,?which?not?only?value?for?money?in?the?down?state,?while?making?money?utilization?continue?to?lower.?At?present,?Chinas?financial?institutions?introduced?a?range?of?financial?products?and?styles?in?this?hot?development?trend,?how?reasonable?financial?constraints?on?the?family?financial?planning,?to?ensure?that?the?property?value-added?purchasing?power?of?money?faster?than?the?speed?of?downlink,?is?one?of?many?domestic?high-income?families?the?most?important?concern.?The?a