Abstract
Since reform and opening up in 1978, China's rapid economic growth, population expansion of the family wealth is accumulating, however, China's economic system from a planned economy to a market economy, changes in capital market is becoming more open, people face the future more and more uncertainty, which makes every family must be achieved through the financial life of their family goals and improve quality of life. As the importance of financial management, it has increasingly become the focus of the family. Residents in our country than the one-sided way of family financial planning, financial management is concerned about the wealth of the vast majority of the multiplier effect, the lack of long-term, rigorous and scientific; Secondly, a single attention to a particular financial instrument investment income, ignoring the species between the organic combination of financial instruments and financial management issues such as risk aversion; the last in the family throughout the process of financial management, family investors less risk perception, and lack of risk control, leading to the final financial results and objectives a gap between, and can not achieve the set financial goals. For household financial management of the process of China's current problems, this paper uses the life-cycle theory and portfolio theory a set of guiding ideology is scientific and feasible way of family financial management, to improve the current status of family financial planning ideas were explored. This thesis is divided into seven parts: The first chapter describes some of the major introduction to the study of family financial planning background, significance and research methods, and foreign scholars on the proposition that a summary of the research; The second chapter from the perspective of family financial management by defining the meaning of family financial planning, for research to be undertaken following this direction; The third chapter is based on family financial planning Introduction to the Theory of the two. First, this part of the basic theory of family financial planning - life cycle theory and portfolio theory are described in detail, and then summarize the theoretical guiding principle of family financial planning. Chapter IV, respectively, of the current residents of several financial instruments commonly used financial function to do a detailed description and from the profitability, liquidity and financial security characteristics of the three made a comparative analysis, and finally, the use of life-cycle theory and portfolio proposed a method of family financial planning. This part of the family financial planning to establish the framework for analysis of the following pave the way for family financial planning; Chapter V analyzes the current status of family financial planning, this part of the main body of this article, through the structure of income and financial assets, to analyze the current financial planning of family problems and the reasons for these problems; Optimization of Chapter VI of the way residents in family financial planning, this chapter is to focus on writing the full text. Recognized the problem should take measures to improve the article first provides financial solutions Ping An analysis of the last of the current family financial planning recommendations for improvement; Chapter VII is the full text of the summary and outlook. Key words: China financial planning portfolio financial instruments
