内 容 摘 要
理财不仅反映了一个人的生活态度，而且在很大程度上帮助我们享受生活。制定合理的家庭理财计划，可以用来帮助我们理清家庭财务状况、家庭目标和需求，使我们更好地为各种家庭投资和理财决策，提高家庭生活质量。选取了王先生一家为研究背景做一份理财规划书，详细分析了他的家庭情况、财务信息和理财需求。本文结合其生活和职业特点，进行了消费和现金规划、投资和风险管理规划、购房规划、教育规划和养老规划，并对规划的可行性进行预测，以便今后根据其家庭情况的变化进行适时的调整。
目 录
家庭理财的介绍···························································4
什么是家庭理财·······················································4
如何制定家庭理财规划方案·············································4
家庭理财的注意事项···················································5
王先生家庭的基本资料·····················································6
客户的基本信息·······················································6
客户的财务信息·······················································6
客户的理财目标·······················································6
客户的风险偏好及承受能力·············································6
客户家庭基本情况分析·····················································7
客户家庭基本情况分析判断·············································7
客户财务状况分析·····················································7
客户财务状况分析·····················································8
客户理财需求分析·························································11
理财规划设计·····························································11
现金规划·····························································11
消费规划·····························································12
投资规划·····························································12
归纳总结·····································································13
参考文献·····································································14
附件·········································································15
