畢業(yè)論文-中等收入家庭理財(cái)方案設(shè)計(jì)【定稿】(編輯修改稿)
2025-07-04 02:06 本頁(yè)面
【文章內(nèi)容簡(jiǎn)介】 財(cái)?shù)哪康?。理?cái)?shù)哪康氖亲尶蛻粲凶銐虻馁Y金去應(yīng)付家庭財(cái)務(wù)開(kāi)支,建立緊急應(yīng)變基金去應(yīng)付突發(fā)事件，減少不良資產(chǎn)及增加儲(chǔ)蓄的能力,從而為家庭建造一個(gè)財(cái)務(wù)健康﹑安全的生活體系。家庭投資理財(cái)?shù)母灸康木褪羌彝ヘ?cái)產(chǎn)保值增值，或者叫家庭財(cái)富最大化。更進(jìn)一步說(shuō)，追求財(cái)富，就是追求成功，追求人生目標(biāo)的自我實(shí)現(xiàn)。所以我們提倡科學(xué)的理財(cái)，就是要善用錢財(cái)，使家庭財(cái)務(wù)狀況處于最佳狀態(tài)，滿足各層次的需求，從而擁有一個(gè)豐富的人生。從這個(gè)意義上講，每個(gè)家庭都需要理財(cái)。家庭理財(cái)就是確定階段性的生活與投資目標(biāo)，審視自己的資產(chǎn)分配狀況及承受能力，根據(jù)專家的建議或自己的學(xué)習(xí)，調(diào)整資產(chǎn)配置與投資結(jié)構(gòu)，及時(shí)了解資產(chǎn)狀況及相關(guān)信息，通過(guò)有效控制風(fēng)險(xiǎn)，實(shí)現(xiàn)家庭資產(chǎn)收益的最大化。我們可以把以上幾個(gè)過(guò)程組成一個(gè)循環(huán)，或者就叫理財(cái)環(huán)，理財(cái)活動(dòng)就是圍繞以上幾個(gè)過(guò)程來(lái)進(jìn)行。通過(guò)學(xué)習(xí)與實(shí)踐，不斷提高我們的自己理財(cái)能力，做自己財(cái)富的主人。 參考文獻(xiàn)[1]《個(gè)人理財(cái)》，中國(guó)金融出版社2013年版；[2] 董雪梅，《家庭投資理財(cái)之我見(jiàn)》，金融高等?？茖W(xué)校學(xué)報(bào),2003；[3] 唐慶華, 《如何理財(cái)：現(xiàn)代家庭理財(cái)規(guī)劃》。 上海人民出版社,2005；[4] 市場(chǎng)波動(dòng)大,中等收入家庭家庭投資穩(wěn)字當(dāng)頭腦 《海峽都市報(bào)》，2016年2月25日；[5] 家庭理財(cái)?shù)臄?shù)字定律《監(jiān)管工作信息》，2016年1月10日；[6] 宗學(xué)哲，中等收入家庭家庭理財(cái)方案[J]。中等收入家庭生活指南。2004 ；[7] 劉曉靜，中等收入家庭保險(xiǎn)理財(cái)：現(xiàn)狀、誤區(qū)及策略探究。統(tǒng)計(jì)與管理。2013；[8] 中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)網(wǎng)，://。cbrc。gov。[9] 中國(guó)理財(cái)網(wǎng)， ://。licai。net/[10] 第一理財(cái)網(wǎng)，://。amoney。/cms。php?prog=amp。pp致謝歷時(shí)將近兩個(gè)月時(shí)間終于把這篇論文寫完了。在論文的寫作過(guò)程中遇到了無(wú)數(shù)的困難和障礙，都在老師的幫助下一一度過(guò)了。感謝我的論文指導(dǎo)老師袁麗老師，沒(méi)有她對(duì)我不厭其煩的指導(dǎo)和幫助，無(wú)私地為我的論文修改和改進(jìn)，就沒(méi)有我這篇論文的最終完成。在此，我向指導(dǎo)和幫助過(guò)我的老師們表示最衷心的感謝！同時(shí)，我也要感謝本論文所引用的各位學(xué)者的專著，如果沒(méi)有這些學(xué)者的研究成果的啟發(fā)和幫助，我將無(wú)法完成本篇論文的最終寫作。至此，我也要感謝我的朋友和同學(xué)，他們?cè)谖覍懻撐牡倪^(guò)程中給予我了很多有用的素材，也在論文的排版和撰寫過(guò)程中提供熱情的幫助！ 請(qǐng)刪除以下內(nèi)容，O(∩_∩)O謝謝?。?！conduction, transfer of heat or electricity through a substance, resulting from a difference in temperature between different parts of the substance, in the case of heat, or from a difference in electric potential, in the case of electricity. Since heat is energy associated with the motions of the particles making up the substance, it is transferred by such motions, shifting from regions of higher temperature, where the particles are more energetic, to regions of lower temperature. The rate of heat flow between two regions is proportional to the temperature difference between them and the heat conductivity of the substance. In solids, the molecules themselves are bound and contribute to conduction of heat mainly by vibrating against neighboring molecules。 a more important mechanism, however, is the migration of energetic free electrons through the solid. Metals, which have a high freeelectron density, are good conductors of heat, while nonmetals, such as wood or glass, have few free electrons and do not conduct as well. Especially poor conductors, such as asbestos, have been used as insulators to impede heat flow (see insulation). Liquids and gases have their molecules farther apart and are generally poor conductors of heat. Conduction of electricity consists of the flow of charges as a result of an electromotive force, or potential difference. The rate of flow, ., the electric current, is proportional to the potential difference and to the electrical conductivity of the substance, which in turn depends on the nature of the substance, its crosssectional area, and its temperature. In solids, electric current consists of a flow of electrons。 as in the case of heat conduction, metals are better conductors of electricity because of their greater freeelectron density, while nonmetals, such as rubber, are poor conductors and may be used as electrical insulators, or dielectrics. Increasing the crosssectional area of a given conductor will increase the current because more electrons will be available fo
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