Research On Financial Management Of Urban Residents In Baotou City

In recent years,in the country has become increasingly prosperous and powerful at the same time,people's living standard has also been significantly improved,our family also occurred in the significant changes.Including the changes in the structure of the family property,the understanding of financial management and consumption structure optimization and upgrading,etc..Due to the rapid economic development and bring the record high prices and increasing inflationary pressures,so that people in the hands of the monetary purchasing power will continue to decline,the money is not worth getting,personal wealth "shrink" feeling more and more deep.So residents are no longer satisfied with only the bank savings of such a way of managing money,but began to try more diverse financial instruments.Since the reform and opening up,market in the allocation of resources gradually to fundamental role,to mobilize the enthusiasm of the main body of the market,with China's economic strength growing,people's disposable income is constantly increasing,in the standard of living of urban residents has been improved rapidly,realized by changing the leather and opening at the beginning of the survivability to currently across the whole well-off,family property of urban residents has become more abundant and physical assets and financial assets to form to show out.Baotou City as a western city,in recent years,a substantial increase in the overall income of the urban residents,so a corresponding money balances,people gradually tend to put these funds to carry out a variety of risk investment.But now of Baotou city residents of the majority is free to buy a number of financial products in the form of financial planning of family assets,for example,single were savings bank.However,now yields also catch up with the current inflation rate,the risk of devaluation of assets of residents continue to increase;but a separate investment stock,risk is relatively high,I'm afraid I can't get the corresponding return,not in the whole life cycle of family wealth were planning system.The first part of this paper mainly expounds the background and significance of the research,the domestic and foreign research status quo of family financial management.The second part describes the concept of family financial management,the concept of family financial management,the type of financial products and the concept of financial management.The third part analyzes the current situation of Baotou urban residents family income.The fifth part is the suggestions on the improvement of family financial management in Baotou.The fourth part is the summary of the whole paper.