个人投资理财问题研究及对策探讨

摘要

本文首先从我国个人理财现状出发，根据存在的问题来分析理财的本质和存在的风险，纠正目前投资者普遍存在的一些误区；然后在此基础上提出一些个人理财的对策和技巧，使投资者对理财的认识从理论层面上升到实践层面，从而实现真正意义上的理财；最后展望我国未来几年至几十年理财产品发展的新趋势并提出相关对策，使个人理财也能紧跟时代步伐。在研究方法方面，本文采取的是理论研究与实证研究相结合的方法，通过一些经典理论以及具体事例和统计数字，使研究结果更加有说服力，也让投资者对理财市场有更深刻的认识和更充足的信心，从而更好地进行理财。

关键词　投资理财  个人  新趋势 

In this paper

In this paper, first of all, the current situation of personal finance in China, according to the problems existing in the analysis of the nature of finance and the risks, correct some investors now widespread misunderstanding; Then based on this, advances some countermeasures of personal finance and skills, make investors understanding of financial management from the theoretical level to rise to a practical level, so as to realize the true sense of financial management; Finally forecasts the next few years to decades of financial product development in our country the new trend and puts forward relevant countermeasures, make personal finance also can keep up the pace. In terms of research methods, this paper takes theoretical research and empirical research method of combining the, through some classical theories and concrete examples and statistics, make the results more convincing, also let the financial market investors have a more profound understanding and the more sufficient confidence, thus better financial management.

Keywords: finance and investment, the individual, the new trend.

目录

摘要 I

引言 1

第1章 国内外个人理财现状 2

1.1我国个人理财业务的发展状况 2

1.2概述国外个人投资理财的发展及现状 4

第2章 个人理财过程中存在的问题分析 6

2.1 个人投资理财普遍存在的误区 6

2.2 理财风险面面观 8

第3章 个人投资理财发展对策 10

3.1 成功理财的先决条件 10

3.2 个人理财的基本法则和技巧 10

3.3 个人理财的基本法则和技巧 12

第4章 未来理财新趋势及新观念 13

4.1 理财发展新趋势 13

4.2 新理财亟需新观念 14

第5章 总结 16

5.1 结论 16

5.2 今后重点研究的方向 16

参考文献 17

致谢 18