陕西省与浙江省个人投资理财认知摘要随着我国经济的不断发展，互联网技术的应用和普及，使得我国居民投资理财的意愿和能力都不断上升。但居民的投资理财认知与习惯参差不齐，且有许多机构借助互联网进行非法融资，给投资者造成了不小的财产损失。因此作者计划挑选陕西省和浙江省两地居民进行分析。主要采用文献分析法、问卷调查法以及对比分析法对两地居民投资理财的认知与习惯进行分析。本文将阐述居民家庭投资理财模式研究的意义、内容和方法，并界定居民家庭投资理财的概念和目标。论述家庭投资理财相关背景，总结国内投资理财现状，并分析两地居民的投资理财渠道，如股票、基金、债券、保险、储蓄等。并对其理财渠道的收益、风险、流动性进行比较分析。最后给出适合两地居民投资理财的合理建议。关键词：投资理财；风险；收益AbstractWiththecontinuousdevelopmentofChina'seconomyandtheapplicationandpopularizationofInternettechnology,thewillingnessandabilityofChineseresidentstoinvestinfinancialmanagementareincreasing.However,residents'cognitionandhabitsofinvestmentandfinancingareuneven.ManyinstitutionshaveillegallyfinancingwiththehelpofInternet,whichhascausedhugelossestoinvestors.Therefore,theauthorplanstoselecttheresidentsofShaanxiandZhejiangprovincesforanalysis.Thispapermainlyadoptsthemethodofliteratureanalysis,questionnairesurveyandcomparativeanalysistoanalyzethecognitionandhabitsoftheinvestmentandfinancialmanagementoftheresidentsofthetwoplaces.Thisarticlewillexplainthemeaning,contentandmethodoftheresearchonthemodelofhouseholdinvestmentandfinancialmanagement,anddefinetheconceptandgoalofhouseholdinvestmentandfinancialmanagement.Thispaperdiscussesthebackgroundoffamilyinvestmentandfinancialmanagement,summarizesthecurrentsituationofdomesticinvestmentandfinancing,andanalyzestheinvestmentandfinancingchannelsofresidents,suchasstocks,funds,bonds,insurance,savingsandsoon.Theincome,riskandliquidityofthesevenfinancialchannelsarecomparedandanalyzed.Finally,itgivesareasonableproposalfortheinvestmentandfinancialmanagementoftheresidentsofthetwoplaces.Keywords:Investmentandfinancialmanagement,Risk,Income目录一、投资与理财的概念.............................................1（一）投资的概念.............................................1（二）理财的概念.............................................1二、陕西省与浙江省个人投资理财现状及分析.........................1（一）两省各年龄段对投资理财了解程度对比.....................2（二）两省投资者掌握金融知识途径对比.........................3（三）两省投资者的理财依据对比...............................3（四）两省投资者对金融市场的认知对比.........................4（五）金融机构推出的金融产品缺乏吸引力.......................5（六）两省投资者对于想了解的投资种类倾向不同.................5（七）两省投资者的投资比例不同...............................6（八）两省投资者投资时限较长.................................7三、陕西省与浙江省个人投资理财原因分析...........................7（一）影响陕西省投资者理财认知与习惯的因素...................9（二）影响浙江省投资者理财认知与习惯的因素..................11（三）陕西省和浙江省投资者存在的共同问题....................10四、对陕西省与浙江省个人投资理财的建议..........................12（一）对陕西省的建议.................................................................................12（二）对浙江省的建议.................................................................................13（三）给陕西省和浙江省的共同建议........................................................
