Research On The Current Situation And Optimization Of Family Financial Management For Urban Residents

After 40 years of development since the reform and opening up,China's economy has grown and become the second largest economy in the world.In 2017,China's GDP has reached 82.71 trillion RMB,with an average per capita GDP of 8,826 US dollars.Since the 19th National Congress of the CPC,China has formally entered a new era of socialism,with the continuous improvement of residents'income,the accumulation of family wealth,and the qualitative leap in the living standards of Chinese residents,entering a historicalstage of consumption upgrading.With the development of the economy,the consumption pattern and the concept of wealth of Chinese residents have also been upgraded.From food to food,from savings to investment,the family's wealth structure is not only limited to savings,but also like diversification.The demand for investment,finance and wealth growth based on the family as a unit is becoming more and more urgent.Pay attention to it.In addition,with the prosperity and development of China's financial market,financial investment tools are becoming more and more abundant,various forms of investment channels have also entered the lives of households,in order to better explore the current situation of household finance in the new era,and according to the current situation to find the problems and causes of household finance,and better put forward excellent.Suggestions on how to make household finance better,how to help households optimize the structure of wealth,how to control the risk of financial management and how to share the fruits of social development in the process of enjoying the benefits and increasing the value of wealth are the main problems to be solved in this paper.This paper focuses on the financial status of Jinan residents' families,through the study of the financial status of Jinan,draw conclusions and make recommendations.Based on the literature research as the starting point,through the domestic and foreign scholars on the research of family finance issues,systematic summary of research results,extracting views and conclusions for the analysis of this paper lays a theoretical foundation.This paper begins with the theoretical analysis of family finance and describes the related concepts of family finance.It holds that the purpose of family finance is to balance the family's financial revenue and expenditure risks based on the present and future income and expenditure situation,and to share the fruits of social development and improve family life on the premise of avoiding financial risks and inflation as much as possible.Level.It also summarizes the life cycle hypothesis and Markowitz's portfolio theory,which are the most important research results in the academic circle,and applies the theory to the empirical analysis.In addition,this paper also summarizes the contents of the current family finance.This paper begins with the theoretical analysis of family finance and describes the related concepts of family finance.It holds that the purpose of family finance is to balance the family's financial revenue and expenditure risks based on the present and future income and expenditure situation,and to share the fruits of social development and improve family life on the premise of avoiding financial risks and inflation as much as possible.Level,It also summarizes the life cycle hypothesis and Markowitz's portfolio theory,which are the most important research results in the academic circle,and applies the theory to the empirical analysis.In addition,this paper also summarizes the contents of the current family finance.