摘要
我国金融业务中,个人理财业务在短短的几年时间中得到了长足发展。这种变化是金融体系内部技术、管制、竞争等因素作用的结果,是一种适应全球金融业发展的必然趋势。个人理财业务的发展历史很短,对其系统化的提升和总结需要较长的一段时间,理论上的探讨还不够成熟。探讨个人理财的理论基础将是我国个人理财发展过程中必须面对的一个课题。本文将探讨生命周期理论和现代理财学中的有关理论,以期为个人理财业务提供理论基础。
China＇s financial businesses are experiencing a stage of tremendous change which are mainly reflected by the booming development of personal financial business in several years. The changes are results of technology, surveillance and competition in internal financial system, and are inevitable tendencies fitting the development of global financial industry. Because of the short history of personal financial business development, it is necessary to take a long time for the systematic promotion and summary of it, and theoretical approaches are still not mature. Approaches on theoret- ical base will be a difficulty that we must face during the process of China＇s personal finance development. This paper gives discussions about related theories in the theory of life-cycle and theory of modem finance in order to offer theoretical base for personal financial business.
关键词
个人理财
生命周期理论
现代理财理论
Personal finance
Theory of life-cycle
Theory of modem finance
