利率市场化下居民投资理财研究摘要有关利率方面的调整工作，中央银行一直在进行，并于2015年10月24日将其彻底整改，先是降息降准再是将存款利率的上限取消。此次变革对我国有着多方面不同程度的影响，比如有关利率的一些市场环境都会随之改变。改革的根本目的就是在金融方面改善民生，使人民的经济水平和生活水平得到提升，但改革并没有使多元化的结构得以完全形成，因此还是会面临一些风险和问题。故而本文对此进行探究，指出其影响，提出相应策略。【关键词】利率市场化居民理财理财结构1AbstractRegardingtheadjustmentofinterestrates,theCentralBankhasbeenconductingitandcompletelyrectifieditonOctober24,2015.First,theratecutwillbeloweredandtheupperlimitofthedepositinterestratewillbecancelled.ThischangehasmanydifferentdegreesofimpactonChina,suchassomemarketconditionsrelatedtointerestrateswillchange.Thefundamentalpurposeofthereformistoimprovepeople'slivelihoodinfinanceandtoimprovethepeople'seconomiclevelandlivingstandards.However,thereformhasnotcompletelyformedthestructureofpluralism,soitstillfacessomerisksandproblems.Therefore,thispaperexploresthis,pointsoutitsimpact,andproposescorrespondingstrategies.Keywords:interestratemarketization,residentfinancialmanagement,financialstructure2目录引言...........................................................................................................................................3一、利率市场化理论................................................................................................................3二、利率市场化对金融市场的影响........................................................................................4（一）金融机构间竞争将进一步加剧............................................................................4（二）金融机构综合化经营趋势将进一步加强............................................................4（三）金融产品和工具的创新将进一步加快。............................................................5（四）风险管理难度将进一步加大................................................................................5三、利率市场化下居民投资理财行为情况分析....................................................................5（一）利率市场化改革前后居民投资理财结构对比....................................................51.利率市场化改革前居民理财结构.........................................................................52.利率市场化改革后居民理财结构.........................................................................6（二）居民投资理财现状调查........................................................................................7（三）居民理财结构的特点分析....................................................................................81.高储蓄率.................................................................................................................82.证券与基金所占比重较低.....................................................................................83.保险所占比重过低.................................................................................................9四、利率时尚化下居民投资理财发展方向分析....................................................................9（一）资金“搬家”将成为常态....................................................................................9（二）投资储蓄的比例将增大......................................................................................10（三）保险在投资中的比...
