居民投资理财的现状及对策分析
Analysis of Current Situation and Countermeasures of Resident Investment and Financial Management

随着我国经济的迅速发展，居民投资理财的需求日益凸显，我国城镇居民的投资理财行为和特点都发生了变化。但是受到受众多因素的制约，大多数居民的理财观念比较薄弱、理财投资的意识不强、理财方式也比较单一。本文通过调查问卷的形式，以北京市为例，对居民投资理财的现状进行了调查分析。调查发现，北京市居民在投资理财中面临投资理财能力有限、缺乏专业知识理解、金融机构宣传不到位等问题，本文分析了解了以上诸多问题，阐述了居民进行理财投资的必要性并给出了正确进行理财规划、提高居民理财意识、完善相关法律法规、培养高素质业务人才等相应对策。
With the rapid development of China’s economy, the demand for investment and financial man-agement of residents has become increasingly prominent, and the investment and financial man-agement behavior and characteristics of urban residents in China have changed. However, re-stricted by many factors, most residents’ financial management concept is relatively weak, the awareness of financial management and investment is not strong, and the way of financial man-agement is relatively single. In the form of questionnaire, this paper takes Beijing as an example to investigate and analyze the current situation of residents’ investment and financial management. The survey found that Beijing residents are faced with problems such as limited investment and financial management ability, lack of professional knowledge and understanding, and inadequate publicity of financial institutions. This paper analyzed and understood many of the problems mentioned above. This paper expounds the necessity of residents’ financial management and investment, and puts forward the corresponding countermeasures such as reasonable financial management specification, improving residents’ financial management consciousness, perfecting relevant laws and regulations, and training high-quality professional personnel.