互联网金融背景下家庭理财规划研究  

Research on Family Financial Planning under the Background of Internet Finance

作　　者：高爽 郭熠倩 GAO Shuang;GUO Yiqian(Henan University,Kaifeng,Henan 475001,China)

机构地区：[1]河南大学民生学院,河南开封475001

出　　处：《北京经济管理职业学院学报》2020年第3期14-19,41,共7页Journal of Beijing Institute of Economics And Management

基　　金：2019年度河南省社科普及规划项目“‘互联网+金融’背景下家庭的理财规划”(0938)。

摘　　要：随着家庭财富不断积累,理财规划的重要性日益成为家庭关注的焦点。“互联网+金融”是在传统金融模式的基础上衍生出的多种创新金融服务模式,给家庭理财规划带来新的机遇和挑战。本文首先通过分析互联网金融运作模式以及特点,然后具体阐述了互联网金融背景下投资者面临的风险和对家庭理财规划的影响,并指出当前家庭理财规划存在问题,针对以上分析,为家庭理财规划提出具有现实价值的建议:建立科学理性的家庭理财观念;谨慎选择互联网平台;理性选择产品等。With the continuous accumulation of family wealth,the importance of financial planning has increasingly become the focus of family attention."Internet plus Finance"is a variety of innovative financial service models derived from the traditional financial model,which brings new opportunities and challenges family financial planning.This paper first analyzes the operation mode and characteristics of Internet finance,then concretely expounds the risks faced by investors under the background of Internet finance and the impact on family financial planning,and points out the problems existing in current family financial planning.In view of the above analysis,this paper puts forward some practical suggestions for family financial planning:Establish a scientific and rational concept of family financial management;choose the Internet platform carefully;choose products rationally,etc.

关 键 词：互联网金融 家庭 理财方式 理财规划 

分 类 号：F832.48[经济管理—金融学]