Development of personal finance and investment approach
ABSTRACT
With 30 years of reform and opening up, China's sustained and rapid economic growth, increasing people's income levels, investment and financial management concepts have gradually accepted by the people advocating financial management, focusing on investment, has become a popular idea around the world. This paper introduces the personal finance and investment market in China, described the way the development of personal finance and investment background and evolution, pointed out that personal finance and investment in China is still at the initial stage of development is not yet mature. Then exist for the status quo, such as China's financial laws and regulations are not sound, less government regulation and control, urban and rural residents finance and investment, uneven development, investment and financing channels for Chinese residents are still relatively simple, more investment and financial management issues such as blind obedience, and then to improve the personal investment financial management put forward practical proposals. Rapid growth in personal finance and investment today, this article discusses certain practical significance. Personal finance and investment development, on the one hand, the investment banking approach to science makes the formation of good money management habits, cultivate awareness of financial management; the other hand, investment in people through a scientific way of managing money can make the best arrangements and funding the greatest degree of play, the relative safety of timely access to high-yield returns, avoid the risk of accidents and improve the quality of life.
Key words: Personal financial investment; financial supervision; diversified investment