影响我国居民理财产品选择的因素分析

近年来，随着中国经济的发展与社会的进步以及金融业逐步对外开放，我国的金融市场和经济环境发生了很大的变化。与此同时，理财产品日渐丰富，居民的理财需求、意识逐渐增强、理财观念逐渐转变，个人理财逐渐成为人们关注的焦点。但由于我国分业经营、分业管理金融体制的限制以及我国居民缺乏专业理财知识等主客观方面原因的存在，我国商业银行个人理财业务在获得发展的同时也存在一些问题。本文通过对比国内外个人理财产品发展历程和分析影响我国居民个人理财产品选择的宏观、微观因素，以增强我国居民对影响其理财参与意愿和理财产品选择的各种因素的认识和了解，帮助个人及家庭作出理性的抉择，树立正确的理财观，为促进我国个人理财业务不断完善和合理地制定个人理财规划提供依据和借鉴，以达到分散风险，增长财富的目的。

  关键词：理财需求；理财产品；因素分析；理财规划
The analysis of selected financial products of the factors for residents
Abstract
In recent years, as China's economic has developed and social has made great progress China's financial market and economic environment has undergone great changes. Meanwhile, the financial needs and consciousness of residents have gradually increased. The concept of financial management has changed .Personal finance has gradually become the focus of attention. Because of the constraints of some objective and subjective reasons, such as separate operation, sub-sector management in financial system and the lack of professional financial management of residents, Personal financial services in China there are still some problems. This paper describes the development of personal financial situation and analyzed the macro-and micro factors which can affect residents’ option. According to the current state of our personal financial services, this paper will propose some measures to promote our individual financial services and enhance our residents’ knowledge and understanding of personal finance. The measures will help individuals and families to establish the correct financial outlook and provide a reasonable basis and reference for personal financial planning, Risk diversification and Wealth growth.

  Key words: Financial demand；Financial products；Factor analysis；Financial planning

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