互联网金融背景下工薪家庭理财现状及优化——以河北省为例  

Current Situation and Optimization of Family Finance of Working Families in Hebei Province Under the background of Internet Finance

作　　者：杨朝辉 刘勇[2] Chaohui Yang;Yong Liu(College of Finance and Economics,Gansu Agricultural University,Lanzhou,Gansu,730070,China;Gansu province science and technology information institute,Lanzhou,Gansu,730070,China)

机构地区：[1]甘肃农业大学财经学院,甘肃兰州730070 [2]甘肃省科学技术情报研究所,甘肃兰州730070

出　　处：《管理科学与研究（中英文版）》2024年第4期23-31,共9页Management Science and Research

摘　　要：当前国内有很大一部分的家庭都迈入了小康的门槛,主要由工薪阶层构成。随着居民人均收入的不断上涨,居民的家庭财富也得到了积累,因此越来越多的工薪家庭理财意识觉醒。但有些理财产品具有高风险性,并且他们没有操作经验,很多家庭对理财望而却步,仅仅是选择把钱存入银行。根本原因在于我国居民理财观念形成较晚,理财市场也刚起步不久,居民在进行家庭理财活动的时候还会遇到许许多多的问题。本文以河北省为例,从家庭理财的现状和可能会出现的相关问题入手,剖析现阶段我国居民在家庭理财的过程中容易出现的问题,针对工薪阶层家庭提出合理的理财规划方案,以期帮助他们实现理财目标。At present,a large part of the family in china has entered the threshold of a well-off family,which are mainly the working class.With the continuous rise of people's per capital income,family wealth has also been accumulated,and more and more working families have been aware of money management,but because of the high risk of some financial products and the lack of operating experience,many families Be discouraged and simply choose to put your money in the bank.This is mainly due to the awareness of financial management of people in China is formed relatively late,and the financial management market has just started.People may encounter many problems financial management activities.This article taking Hebei Province as an example,starts from the current situation of family finance management and related problems that may arise,analyzes the problems that Chinese residents are prone to appear in the process of family finance management at this stage.Finally,reasonable financial planning schemes are proposed for working-class families to help them achieve their financial goals.

关 键 词：家庭理财 投资 理财规划 资金筹划 工薪家庭 

分 类 号：F83[经济管理—金融学]