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利率市場化背景下的個(gè)人理財(cái)技巧
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利率市場化背景下的個(gè)人理財(cái)技巧
摘 要：利率市場化是金融市場發(fā)展的必然結(jié)果，是金融國際化的必然要求。市場經(jīng)濟(jì)要求按市場機(jī)制配置資源，資金作為1種重要的經(jīng)濟(jì)資源，將在新的利率機(jī)制作用下對(duì)國內(nèi)經(jīng)濟(jì)全范圍進(jìn)行合進(jìn)配置。利率作為貨幣資金的價(jià)格，其形成機(jī)制的變化、作用機(jī)制的調(diào)節(jié)，將會(huì)對(duì)投資者的投資行為與決策產(chǎn)生重大影響。同時(shí)，利率市場化也為投資帶來了新的風(fēng)險(xiǎn)，我們也應(yīng)該理性的面對(duì)風(fēng)險(xiǎn)。而利率的市場化在1定程度上將對(duì)個(gè)人理財(cái)?shù)臎Q策產(chǎn)生影響，從前固定匯率下的投資決策也將隨著利率的市場化的到來產(chǎn)生翻天覆地的變化。本文最后探討了在個(gè)人理財(cái)中的合法的避稅技巧，也是個(gè)人理財(cái)技巧中的重點(diǎn)。
關(guān)鍵詞：利率市場化；利率風(fēng)險(xiǎn)；投資風(fēng)險(xiǎn)；理財(cái)技巧
Study on the personal financing techniques under the background of interest rate market
Abstract: Interest rate market is the direct result of the development of financial market, which is also the inevitable requirement of the finance Internationalization. For the market economy is supposed to allocate resources under the market mechanism , as an important economy resource, the capital will allocate the resources reasonable in domestic under the new interest rate mechanism. As the price of capital, interest rate will impact on the investment behavior and decisions of Investors significantly by the changes of formation mechanism and the adjustment of regulatory mechanism。 Meanwhile, the risk should be treated reasonable, for the interest rate market has been arising new risks. While the interest rate effects on decision-making of personal financial management in some extent. The decision-making of investment with the fixed exchange rate will have a great change. Therefore, the paper discusses how to avoid tax legally of personal financing, which is also the key point of personal financing techniques.
Key words: invest risks ；interest rate market ；investment decision-making ；financing techniques
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