摘要新时代的网络信息技术蓬勃发展,对金融服务领域也产生了巨大变革。随着人们对金融业务和金融商品的认识,个人投资理财服务也日益获得人们重视。尤其对普通市民来说,从个人财产的保值、增长角度,人们怎样进行投资理财、怎样均衡经营风险和利润等现实问题已成社会热点议题。而金融服务领域多元化投资理财产品的问世,让市民对资产的管理不在只是存款。投资理财时代的来临,让证券、股票、保险、信托、不动产、黄金、外币等金融工具,成为了更多市民投资理财的新选项。在这种背景下，本文通过问卷设计调查的方法对葫芦岛投资理财现状进行了分析，找到了居民投资理财过程中存在的一系列的问题，并对这一系列的问题提出了一系列可以改善居民理财的方法，让投资理财变得更加简单、容易，养成一个良好的投资理财的习惯，让居民可以更好的了解投资理财，让居民在生活中更好去进行投资理财，让居民可以更好的实现盈利，让投资理财成为居民日常生活中的一部分，具体如下：首先对葫芦岛投资理财进行了概述，分别阐释了投资理财的概念，现状，投资理财的种类和投资理财的意义，然后对现状进行了调查分析，设计了问卷，并进行了理财渠道调查结果，受教育程度调查结果，理财产品了解度调查结果，理财承受能力调查结果进而发现了居民投资理财中所存在的问题，然后提出了扩展投资理财渠道，普及投资理财知识并让其适当掌握，提升居民的受教育程度，制定科学的投资理财规划方案的优化建议。关键词：理财规划；居民理财；理财产品AbstractThevigorousdevelopmentofnetworkinformationtechnologyinthenewerahasalsobroughtgreatchangestothefieldoffinancialservices.Withpeople'sunderstandingoffinancialbusinessandfinancialproducts,personalinvestmentandfinancialserviceshaveattractedmoreandmoreattention.Especiallyforordinarycitizens,fromtheperspectiveofthepreservationandgrowthofpersonalproperty,howtoinvestandmanagemoneyandhowtobalancebusinessrisksandprofitshavebecomeahottopicinsociety.Theadventofdiversifiedinvestmentandfinancialproductsinthefieldoffinancialserviceshasenabledcitizenstomanageassetsmorethanjustdeposits.Withtheadventoftheeraofinvestmentandfinancialmanagement,securities,stocks,insurance,trust,realestate,gold,foreigncurrencyandotherfinancialinstrumentshavebecomeanewoptionformorecitizenstoinvestandfinance.Inthiscontext,thispaperanalyzesthecurrentsituationofHuludaoinvestmentandfinancialmanagementthroughthemethodofquestionnairedesignandsurvey,findsaseriesofproblemsexistingintheprocessofresidents'investmentandfinancialmanagement,andputsforwardaseriesofmethodsthatcanimproveresidents'financialmanagement,makeinvestmentandfinancialmanagementsimplerandeasier,formagoodhabitofinvestmentandfinancialmanagement,andletresidentsbetterunderstandinvestmentandfinancialmanagement,Letresidentsbettercarryoutinvestmentandfinancialmanagementintheirlife,sothatresidentscanbetterrealizeprofits,andmakeinvestmentandfinancialmanagementapartofresidents'dailylife.Thedetailsareasfollows:firstly,thispapersummarizesHuludaoinvestmentandfinancialmanagement,explainstheconcept,currentsituation,typesandsignificanceofinvestmentandfinancialmanagementrespectively,theninvestigatesandanalyzesthecurrentsituation,designsaquestionnaire,andcarriesoutthesurveyresultsoffinancialmanagementchannels,Theresultsofeducationlevelsurvey,financialproductunderstandingsurveyandfinancialaffordabilitysurveyfurtherfoundtheproblemsexistinginresidents'investmentandfinancialmanagement,andthenputforwardtheoptimizationsuggestionsofexpandinginvestmentandfinancialmanagementchannels,popularizinginvestmentandfinancialmanagementknowledgeandlettingthemmasteritproperly,improvingres...
