Low-income Personal Financial Risk And Its Prevention Analysis

Since our country conduct reform and opening policy, the vigorous market economy system promotes the development of national economy, increasing citizen's income, as the corpus of the society economy, every person play a more and more important role in the economy, personal function of investment presents increasingly. Personal property increases the need of personal finance planning, under the dual incitement of inner demanding and economic development, personal finance managing service market gradually take its roots in our country.In the initial stage of 80' s in 20 centuries, the development of the economy, the increment of personal income, is an essential condition that personal finance managing service market sprouts in our country. In the middle of 90's in 20 centuries, personal finance managing service market of our country gradually established and developed, this is an inevitable trend that market economy development in our country. The establishment of the capital market, the variety of financial tools, making the residents acquire more investment outlets, but on the other hand, personal finance managing servicing business in our country just start, the related and professional talented person very lacked, to the low income stratum with urgent and demanding of personal finance managing, they have no chance to hire finance experts to help them because their funds is limited, and the professional knowledge about finance managing is poor, which make personal finance managing corpus of the low income stratum face biggest risk in the process of personal finance planning. Personal finance risk resistance is the core of personal finance managing, for personal finance managing business market just resulted from the demand of the risk resistance of people. Researching personal finance managing risk resistance of the low income stratum can help people understanding risks in the process of managing finance and properly evaluate the risk, and employing related theories and according practice to direct their personal finance managing, thus their property can be safe and keep a steady increase. From this purpose exactly, this paper sets out to make an analysis and summaries of the personal finance managing risk and its valuation, and combining various different risk hobby types, taking the portfolio theories and the life cycle theories as the foundation, the author tries to put forward risks resistance counter plans.