目 录摘要................................................................1关键词..............................................................1引言................................................................21 家庭理财规划基本概述及特征........................................21.1 家庭投资的概念..................................................21.2 理财规划的概念..................................................21.3 常见家庭理财投资金融工具........................................21.3.1 储蓄..........................................................21.3.2 债券..........................................................31.3.3 基金..........................................................31.3.4 股票..........................................................31.3.5 保险..........................................................31.3.6 房产..........................................................31.3.7 其他..........................................................31.4 家庭理财规划的必要性............................................31.4.1 通货膨胀对财富的侵蚀..........................................31.4.2 财富积累与理财偏好发生转变....................................31.4.3 规避突发状况与风险............................................42 我国家庭投资理财规划中存在的问题..................................42.1 当前投资理财规划现状............................................42.1.1 居民家庭经济收入差距大........................................42.1.2 居民家庭投资理财存在弊端......................................42.1.3 居民缺乏有效的投资理财观念....................................52.2 当前家庭投资理财规划的问题......................................52.2.1 投资理财观念不足..............................................52.2.2 理财产品过少..................................................52.2.3 市场诚信缺失..................................................52.2.4 理财目标不明确................................................62.2.5 不能有效地权衡风险和收益......
