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改革开放三十多年来,我国经济的快速发展,国民经济的不断增长,GDP以及人均收入的不断提高,直接导致着我国中等收入家庭不断增长,人民生活水平和个人财富的不断增加。由此催生关于投资、理财方面专家学者的大量需求。在“首届学习型中国———投资理财论坛”上,多位专家和学者表明,在中国已经初步形成了个人理财市场,但是由于居民闲置资金较多,为了确保万无一失,大部分居民选择回报率小的银行储蓄方式来理财,因此个人投资组合规划业务在中国有着强烈的市场需求。然而理财是一种充满风险的资金处理活动,为了减少风险、增加收益、达到风险和收益之间的平衡。那么,计划投资就显得尤为重要了。
Since the reform and opening up for more than 30 years, the rapid economic development, continuous growth of the national economy, continuous improvement of GDP and per capita income have directly led to the continuous growth of the middle-income families, the continuous improvement of the people’s living standards and their personal wealth. This has spawned a large demand for experts and scholars in investment and wealth management. Many experts and scholars at the “First Learning-type China --- Investment and Financial Management Forum” show that the personal financial market has been initially formed in China. However, due to the large amount of idle funds for residents, most residents choose Return on a small bank savings to finance, personal investment portfolio planning business in China has a strong market demand. However, money management is a kind of risk-sensitive fund management activities, in order to reduce risk, increase revenue and achieve the balance between risk and return. Then, the planned investment is particularly important.