投资理财方式选择.doc

毕??业??设??计（论??文） 投资理财方式的选择 系　　　　　　别： 人文与管理学院 专业名称： 财务管理 学生姓名： ?????? 白莎莎 学　　　　　　号： ??? 0804060504 指导教师姓名、职称： ?? 张建国（副教授） 完成日期??2011?年?11?月28?日 投资理财方式的选择 摘要 进入21世纪以来，我国经济持续发展，人民生活水平不断提高，家庭金融资产不断增加，投资理财已成为日益重要的问题。金融机构敏锐的看到了市场的需求变化，纷纷推出了令人眼花缭乱的理财产品和创新服务，迎合市场需求。不管是储蓄投资、股票投资，还是外汇、保险投资，由于投资品种日益增多，所需的专业知识也不尽相同，投资方法也很难完全掌握，再加上广大投资者的金融理理财观念，特别是理财风险观念尚不成熟。因此，普及金融理财知识和原理，开展理财风险教育，帮助投资者树立科学、健康的理财观念是我们从事金融、财务工作的人应有的社会责任和义务。 【关?键?词】?投资理财；产品；利弊、策略 【论文类型】?应用型 Chioce?of?mode?of?investment?and?financial?management Abstract ????In?the?21st?century,China’s?sustained?economic?development?and?rising?living?standards,increasing?household?financial?assets,?investment?banking?has?become?an?increasingly?important?issue.Financial?institutions?keen?to?see?the?changing?needs?of?the?market,have?launched?a?dazzling?array?of?financial?protucts?and?innovative?services?to?meet?market?demand.Whether?it?is?savings,investment,stock?investment,or?foreign?exchange,insurance,investment,due?to?growing?investment?products,the?expertise?required?are?not?the?same,it?is?difficult?to?fully?grasp?the?investment?approach,coupled?with?the?majority?of?investors?in?financial?management?financial?management?concepts,in?particular,the?concept?of?financial?risk?is?not?yet?mature.Therefore,the?universal?principles?of?financial?planning?knowledge?and?carry?out?financial?risk?education?to?help?investors?to?establish?the?scientific,health,financial?management?is?engaged?in?financial,finance?people?who?work?their?social?responsibilities?and?obligations. 【Keywords】???finance?and?investment;products;the?pros?and?cons,policy 【Paper?Type】?applied ???????????????????????????? 目?录 HYPERLINK /qzone/newblog/v5/editor.html?opener=refererurlrefererurl=http%3A%2F%2F%2Fqzone%2Fapp%2Fblog%2Fv6%2Fbloglist.html%23nojump%3D1%26page%3D1%26catalog%3Dlist \l _Toc310874969 \t _blank 1?引言?1 HYPERLINK /qzone/newblog/v5/editor.html?opener=refererurlrefererurl=http%3A%2F%2F%2Fqzone%2Fapp%2Fblog%2Fv6%2Fbloglist.html%23nojump%3D1%26page%3D1%26cat