中等收入家庭理财规划

一、绪论························································1

（一）中等收入家庭的界定条件································1

（二）衡量中间阶层的操作指标·································1

（三）财务规划的深刻内涵····································2

（四）中等收入家庭的特点····································2

（五）家庭理财规划的好处和优势·······························2

二、正文························································4

（一）家庭基本情况··········································4

（二）家庭理财分析··········································5

（三）家庭理财规划建议······································6

（四）家庭理财效果预测······································8

结论····························································9

参考文献························································10

内容摘要

随着经济的飞速发展，人民生活水平的不断提高，再加上受美国次贷危机的影响，国内金融市场受到严重冲击，银行存款利率不断下降，储蓄不再是理财的最好方式，如何理财成为人们生活中的现实问题。本文以中等收入家庭为例，通过对客户资料进行收集整理，并进一步对客户的理财需求、收入支出、资产负债等情况进行分析，最终设计出一套切实可行的理财规划，使客户家庭财务状况处于最佳状态，满足各层次的需求，实现家庭财产保值增值，达到家庭财富最大化。

论文主要分为三个部分进行阐述，在论文的第一部分主要阐述了中等收入家庭的界定条件，衡量中间阶层的操作指标，财务规划的深刻内涵，家庭理财规划的好处和优势和中等收入家庭的特点。第二部分通过对我的家庭的案例分析，搜集了相关数据，作图分析并提出了相应的建议。第三部分得出结论：只要根据实际，根据需要进行理财，就能提高生活品质，更好的享受生活。

关键词：理财规划 资产价值 金融危机 满足需求 财富最大化