Analyse On The Strategy Of Individual Financing In China

Along with the rapidly economic growth, society's progress, the personal income largely improvement and central tendency, people's attitude, idea and processing mode about the personal wealth have been hugely changing. How to manage personal wealth gradually becomes the key point the people pay attention to. Personal financing is a system, which needs individual investors handle many kinds of investments tools in different investment markets. However, the different investment markets and the investment tools all have the superiority and the insufficiency respectively. Facing the different investment markets and tools, according to their own background and risks they can bear, how can individual investors pursue the high investment profit by scientifically and reasonably combining all kinds of investment tools? This is the key question this article tries to resolve.From individual investors'standpoint, by synthetically utilizing the theoretical system of modern economic, the management science, the accounting and statistics theory and adopting research and examples analysis, the thesis expatiates upon the basic definitions, patterns, principles and methods of individual financing. After analyzing respectively superiorities and the insufficiencies of some main investment vehicles, individual investors can formulate their own corresponding investment strategy. Simultaneously the thesis has studied the core part of individual financing - investment portfolios. After analyzing the portfolios recommended by Ping An insurance (group) company of china, Ltd., the thesis has drawn three key factors: investor's stage in whole life, investor's wealth and investor's risk orientation. At the same time using the return ratio of Shanghai stock index representing the average return ratio of China stock market, the return ratio China bond index representing the average return ratio of China bond market, the return ratio of Chongqing housing index being on behalf of the average return ratio of Chongqing real estate market, the thesis has established the practical investment model in real life. Focusing on enhancing the investment rate of return, reducing the risk, the thesis has formulated a set of feasibly operative procedure.The thesis has five parts: The first one has mainly elaborated the goal, significance, method and researches about individual financing; the second one has defined the basic connotation, method and pattern of individual financing; the third one has formulated different investment strategies by analyzing different investment tools; the fourth one...