摘要成长期家庭的周期跨度是从子女出生开始到完成学业为止，该阶段的家庭面临着子女教育金需求增加、老人赡养费用升高、还贷压力持续影响等问题，这些问题正好对应家庭成长期阶段各方面的生活规划。在贵阳市城镇居民家庭收入不断提高、居民投资意愿增强和金融理财产品日益丰富等背景下，家庭作为国民经济的重要组成部分，其家庭理财状况可以反映出一个家庭的动态经济状况。本文以贵阳市城镇居民为切入点，对贵阳市城镇居民家庭理财状况进行调查研究。以家庭生命周期为理论基础，随机的向贵阳市城镇居民发放问卷并及时汇集统计数据、对统计结果加以分析。本文第一部分是理论概述，主要阐述了家庭成长期的内涵、理财规划的内涵、家庭生命周期理论。本文第二部分是贵阳市家庭成长期理财规划影响因素的调查现状，分为调查方法设计与分析以及调查结果。调查结果包括贵阳市家庭成长期理财规划现状和影响因素。本文第三部分是贵阳市家庭成长期理财规划存在的问题，主要包括投资意识和能力欠缺、投资产品种类较少、投资氛围不强三个方面。本文第四部分是推进贵阳市家庭成长期理财规划的建议，分别是培养投资理财意识、丰富投资理财产品种类以及营造良好的投资理财氛围。关键词：成长期家庭；理财规划；投资组合AbstractThecyclespanofafamilyinthegrowthperiodisfromthebirthofachildtothecompletionofschool.Familiesinthisstagearefacedwiththeincreasingdemandforchildren'seducationfunds,therisingcostofsupportingtheelderly,thecontinuousimpactofthepressureofloanrepaymentandotherproblems.Theseproblemsexactlycorrespondtothelifeplanningofallaspectsinthegrowthperiodofafamily.Comparedwithotherstagesofthelifecycle,afamilyneedstoplanmoregoalsinthegrowthstage,andthecompletionofeachgoalwilldirectlyaffectthequalityofafamily'slife.Thus,familyfinancialplanninginthegrowthperiodisakeyissueinthelifecycle.ThispaperanalyzesandstudiesthestrategiesoffamilyfinancialplanninginthegrowthperiodinChina.First,itclarifiestheresearchbackground,significanceandcontentoffamilyfinancialplanninginthegrowthperiod,summarizesthecurrentresearchstatus,andclarifiesthelifecycletheoryandtheconceptoffamilyfinancialplanninginthegrowthperiod.Secondly,focusingonthegapbetweenthedepositinterestrateandCPI,aswellasthechangeoffamilystructure,thispaperanalyzesthenecessityoffamilyfinancialplanninginthegrowthperiod.Thirdly,specificstrategicsuggestionsareproposed:itissuggestedthatfamiliesinthegrowthperiodmodifytheirfamilyfinancialplanningmodelbyreferringtotheStandard&Poor'sFamilyAssetAllocationChart,makefinancialplanningaccordingtotheirfamilyfinancialgoalsandfinancialconditions,andthenselectinvestmentportfoliosintheirinvestmentaccountsaccordingtotheirownriskpreferences.Finally,thepaperintroducestypicalcasesandappliestheabovesuggestionstopracticalexamplestodemonstratethedevelopmentprocessoffamilyfinancialplanninginthegrowthstage.Meanwhile,itlooksintothedevelopmentprospectsofChina'sfamilyfinancialplanningindustryatboththepracticalandtheoreticallevels,soastomakethepapermorepracticalandforward-looking.Keywords:Growingfamily;Financialplanningstrategy;Investmentportfolio目录摘要...........................................................................................................................................IAbstract....................................................................................................................................II绪论...........................................................................................................................................11家庭成长期理财规划理论概述.......................
