居民投资理财的现状问题调查研究

Investigation and Research on the Current Situation of Residents’ Investment and Financial Management

随着中国社会经济的发展、理财方式的多样性与便捷性以及个人理财产品的不断创新,居民对自身以及家庭的投资理财重视程度日益提高。开展居民家庭理财调查研究对居民树立正确的投资理财观念,促进居民投资理财行为健康发展具有重要意义。借鉴国内居民投资理财的相关研究,通过实证研究发现我国居民投资理财存在投资理财目标不明确、缺乏理财知识、缺乏投资理财风险管理等问题,提出提高居民投资理财意识、提升投资理财从业人员的专业素质、建立政府、社会和居民共同参与的投资理财主体、提高居民财务分析能力、认识投资理财产品和投资理财风险等政策建议。

With the development of China’s social economy, the diversity and convenience of financial man-agement methods and the continuous innovation of personal financial products, residents pay more and more attention to investment and financial management of themselves and their families. It is of great significance to carry out investigation and research on household financial management for residents to establish correct investment and financial management concept and promote the healthy development of residents’ investment and financial management behavior. Referring to the relevant research on domestic residents’ investment and financial management, through empirical research, it is found that there are some problems such as unclear investment and financial man-agement goals, lack of financial knowledge, and lack of investment and financial risk management. This paper puts forward some policy suggestions on improving residents’ awareness of investment and finance, improving the professional quality of investment and finance practitioners, establish-ing investment and finance subjects that the government, society and residents jointly participate in, and improving residents’ financial analysis ability, and understanding investment and finance products and risks.