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保密类别________编号________中国传媒大学南广学院本科毕业论文关于当前家庭理财状况调查——以华东镇江丹阳市社区调查为例系别新闻传播系专业舆情与媒介调查班级07舆情与媒介调查姓名XXXXXXX学号XXXXXXXX指导教师XXXXXX中国传媒大学南广学院2011年04月13日I摘要家庭理财是随着个人理财而发展起来的，而个人理财在西方国家已经有近百年的研究历程，我国金融机构参与的个人理财发展才区区数十年，真正意义上的家庭理财甚至可以说是刚刚起步。随着国内经济体制的改革与发展，家庭财富逐渐得到积累，人们从温饱生活中得到解放逐步走向小康。但随着国内各种体制变化和调控力度的加强，无论是央行每一次调息，股市走向的变动，房地产翻江倒海的改革，还是人民币升值压力等等都在潜移默化地影响着老百姓理财意识。人们为了更好生活，为了使自己财富得到保值甚至增值，越来越多的人希望通过对理财工具选择与使用，将家庭财富在未来时期里保持最大化的状态。本文笔者遵从个人/家庭理财生命周期的规律，结合地方性生活习惯设计合理性问卷，在丹阳市选择有代表性小区进行“一对一”问卷调研，最后由SPSS数据统计软件分析结果，针对研究结果笔者设计出具有丹阳特色的投资组合模式。关键词：个人/家庭理财；生命周期；投资组合IIABSTRACTFamilyfinancialmanagementisaspersonalfinanceanddeveloped,andpersonalfinanceinwesterncountrieshavenearly100yearsofresearchhistory,ourfinancialinstitutionsinvolvedinthedevelopmentofpersonalfinanceonlytriflingtensofyears,intherealsensefamilyfinancialevenisjustgettingstarted.Withdomesticeconomicsystemreformanddevelopment,familywealthaccumulation,peoplegraduallygetfreefromhungerlifewell-offstepbystep.Butwithallsortsofdomesticsystemchangeandcontrolpower,whetherthestrengtheningofcentralbankeverybreath,thestockmarkettothethread,thechangeofrealestate,orRMBappreciationpressurereformetc.Allexertsasubtleinfluenceonciviliansfinancialconsciousness.Peopleinordertoliveabetterlife,tomaketheirwealthgetvalueevenvalue-added,moreandmorepeoplewanttofinancetoolsbychoiceanduse,willinfutureperiodhouseholdwealthmaximizationofstate.Inthispapertheauthorfollowindividual/familyfinanciallifecycle,combininglocalhabitsandlawinthequestionnaire,therationalityofdanyang,designthechoosehastherepresentativequestionnaireinvestigation,onetoonebySPSSstatisticalsoftwarelastdataanalysisresults,accordingtostudyresultstheauthordesignedtheportfoliowithdanyangcharacteristicpattern.Keywords:Individual/familyfinancialmanagement;Lifecycle;Portfolio1目录摘要............................................................................................................................IABSTRACT...................................................................................错误!未定义书签。绪论...........................................................................................................................1一、引言.......................................................................................................................1（一）研究背景...........................................................................................................11．主题来源.................................................................................................................12．研究主题的意义.....................................................................................................2（二）文献综述...........................................................................................................31．国外文献综述.........................................................................................................32．国内文献综述.........................................................................................................6（三）调查提纲...........................................................................................................71．调查目的.................................................................................................................72．调查对象：丹阳市阳光花园社区.........................................................................73．调查内容：详情请见附调查调查问卷.................................................................74．调查方法：问卷调查法（封闭式）.....................................................................75．抽样方案.................................................................................................................7（四）研究创新点.......................................................................................................8二、研究设计...............................................................................................................8（一）相关概念的界定...............................................................................................81.个人/家庭理财...........................................................................................................82.生命周期....................................................................................................................93.理财工具....................................................................................................................9（二）研究思路.........................................................................................................10（三）研究假设.........................................................................................................11三、数据处理阶段.....................................................................................................12（一）小区住户是否理财.........................................................................................12（二）小区住户对风险性理财工具选择状况.........................................................122（三）小区家庭使用的理财工具数量分类统计.....................................................14（四）各类理财工具在不同家庭中所占比率:.......................................................14（五）家庭社交圈对理财工具选择的影响......................................................