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Question

我国居民家庭理财的现状、问题与对策分析
[摘要]近年来，随着我国经济快速、稳定增长、人们收入水平的提高，理财市场获得了前所未有的发展，理财产品越来越多，居民家庭理财结构也发生了较大变化，越来越多的居民关注理财、投入理财。但是由于我国的居民家庭理财的发展较为短暂，缺乏专业理财知识、理财服务质量差、理财的风险意识低等致使居民在理财中出现各种问题。因此，树立正确的理财观念、掌握科学的理财方法、完善理财市场机制就显得尤为重要。
论文共分为以下三个部分：首先，基于我国居民家庭理财发展轨迹的回顾，从家庭理财需求、理财工具和理财服务方面介绍了我国居民家庭理财业务发展的现状；其次，从居民家庭理财和理财市场环境两方面阐述了我国居民家庭理财业务现阶段存在的问题，包括居民理财观念不成熟、理财方法过于简单，以及理财市场处于简单低层次等；最后，针对我国居民家庭理财存在的问题，从正确理财观的培养、科学理财方法的掌握和理财市场的完善等方面提出了相应的对策建议。
[关键词]家庭理财；理财市场；理财工具；理财方法

Answer 1

Residents of the family financial situation, problems and countermeasures
[abstract] in recent years, along with our country economy fast and steady growth and income level, financial markets won the unprecedented development, financial products more family financial structure, change a more and more people concern, financial management. But because of the inhabitants of the development of family financial management is short, the lack of professional knowledge, financial services, poor quality of financial risk consciousness that residents in low various problems in finance. Therefore, sets up the correct scientific management idea, the financing methods, improve financial market mechanism is particularly important.
Paper is divided into three parts: first, based on our family financial development track of the residents, from family financial needs, financial tools and financial services of residents in our country are introduced the present situation of the development of family financial business, Secondly, from households and financial market environment management from two aspects elaborated on China's finance business households and the existing problems, including residents immature and financial management concept, and too simple method is simple low-level financial markets inferior, Finally, according to our family financial problems of residents, from the view of correct financial management methods of training, scientific management and the perfection of the market mastery etc. To put forward the corresponding countermeasures.
[key] family financial management, Financial markets, Financial tools, Financing methods

Answer 2

Chinese Families Financial Situation, Problems and Solutions
[Abstract] In recent years, as China's rapid, steady growth, higher incomes, improved access to an unprecedented financial market development, financial products are more and more households in financial structure changed significantly, more number of residents concerned about the financial management and investment banking. However, because of the residents of the development of more short-term family financial management, lack of financial expertise, financial services, poor quality of financial management and low awareness of risk led to residents in the financial management problems occur. Therefore, a correct financial management concepts, master scientific methods of financial management, improve financial market mechanism is particularly important.
Paper is divided into three parts: First, based on the development path of Chinese Families Financial Review, from the family financial needs, financial tools and financial services, introduced the development of Chinese Families Financial Services current situation; Secondly, households and financial management financial market environment in the described business at the present stage of Chinese Families fiscal problems, including residents immature financial concepts, financial management methods are too simple, and the financial market is a simple and low-level, etc.; Finally, our resident family financial management problems Money from the correct concept of culture, science and financial management methods and financial market, improve the control and other aspects of the corresponding countermeasures.
[Key words] family financial management; financial markets; financial instruments; financial management