The Income Tax Planning In Personal Financial

Enterprise Financial Management income tax planning is an important part of the distribution. Along with the development of China's socialist market economy, more and more attention has been paid in recent years. Individual Income Tax planning is an important component of personal financial management."Finances" is a dynamic property management. Personal financial management, banks and other financial institutions to help clients achieve personal wealth assets, the value-added integrated financial services.Different social systems, different classes of financial management in different ways. Personal financial planning through the proper management of financial resources to achieve personal goals through a process. A design goal is to achieve the reunification of the whole financial co-ordinated program. In financial planning, we should consider not only the wealth savings, but also the protection of wealth, risk management and control.Financial management is a program of personal tax planning is one of the types of financial, insurance, savings, love donation, investment bonds. Labor piecemeal, policies are skillfully used for the personal income tax planning methods should be considered.Tax personal financial planning is one of the core skills in Western countries, tax planning is almost a household, In China, still at the initial stage. Develop good personal financial plan needs to correctly understand tax planning, tax planning concepts, and a certain amount of tax avoidance. tax saving techniques.For individuals, tax planning means taxpayers in violation of the law, policies and regulations, under the premise According to the government's taxation policy guidance on business, finance and investment and planning activities in advance. Optimization of tax programs to choose low tax status, and to reduce the tax burden, made legitimate tax benefits.Personal income tax planning elements, the use of preferential tax policies for tax planning, tax planning elements include: Taxpayer technology planning, technology-based planning, tax planning techniques. Taxpayer planning techniques is the recognition of the status of the taxpayer for the use of tax planning. Technology-based planning and realization of deferred tax base and the tax base is divided into two balanced to achieve. Tax planning technique is the use of wages, unpaid salaries and labor income tax conversion chips.Use preferential tax policies for tax planning, personal income tax planning for the use of donor spending, the education fund savings, invest in bonds, dividends, stock dividends in the form of dividends.This paper concludes with a study of personal income tax planning for the vast room for development, and to achieve this, we should step up publicity and education tax, the tax system to improve China's personal income tax planning guide. Improve specific reporting system, with the ultimate collection of information.