Question

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市场经济时代，"财富"观念已经深入人心，"理财"这一以前闻所未闻的新鲜事物也如雨后春笋般遍地开花，银行、网络中到处可见"理财"这一名词相对"财富"而言，很多人认为理财就是生财、发财，是一种投资增值，只有那些腰缠万贯家底殷实既无远虑又无近忧的人才需要理财，在自己没有一定财富积累的时候还很难涉及理财其实这是一种狭隘的理财观念，生财并不是理财的最终目的理财的目的在于学会赚钱、花钱和管钱，使个人与家庭的财务处于最佳的运行状态，从而提高生活的质量和品位。
随着经济发展水平的不断提高，理财已成为社会热点问题，成为实现人生理想的重要途径。良好的理财规划可以提高资本要素的配置效率，进而实现资本运作的利益最大化，也可以增加居民的财产性收入，提升居民家庭的生活品质。本文从理财规划的目的、步骤、内容和原则等方面对理财规划问题展开了总体分析和研究。
家庭投资理财的选择、组合、调整行为可以定义为家庭对某一种或某几种资产所产生的需求偏好和投资倾向，本文对家庭的投资理财的这一行为进行了分析，并对家庭投资理财如何获取收益和家庭投资理财风险及其规避进行了分析，希望对家庭投资理财的实践有所帮助。
理财规划，是针对个人在人生发展的不同阶段，依据其收入、支出状况的变化，制定个人的家庭财务管理方案，帮助个人实现人生各阶段的目标和理想。良好的理财规划可以提高资本要素的配置效率，进而实现资本运作的利益最大化，也可以增加居民的财产性收入，提升居民家庭的生活品质。因此，本文将从理财规划的目的、步骤、内容和原则等方面对理财规划问题展开总体分析和研究。

Answer 1

市场经济时代，"财富"观念已经深入人心，"理财"这一以前闻所未闻的新鲜事物也如雨后春笋般遍地开花，银行、网络中到处可见"理财"这一名词相对"财富"而言，很多人认为理财就是生财、发财，是一种投资增值，只有那些腰缠万贯家底殷实既无远虑又无近忧的人才需要理财，在自己没有一定财富积累的时候还很难涉及理财其实这是一种狭隘的理财观念，生财并不是理财的最终目的理财的目的在于学会赚钱、花钱和管钱，使个人与家庭的财务处于最佳的运行状态，从而提高生活的质量和品位。
Market economy era, "wealth" concept already thorough popular feeling, "financial" this previously unheard of fresh things also springing up blossom everywhere, bank, network everywhere "finance" this one noun relative "riches" is concerned, many people think that financing is wealth-generating, to make money, is a kind of investment value, only those who turns scrape neither rich nor foresight bounded people need money, not in their certain wealth accumulation when is hard to involve financial actually this is a narrow financing concepts, wealth-generating not the ultimate objective of financial management of financial management goal is to learn how to make money and spend money and tube, make individual and family financial in optimum operation state, thus enhancing the quality of life and grade.

随着经济发展水平的不断提高，理财已成为社会热点问题，成为实现人生理想的重要途径。
Along with the economic development level unceasing enhancement, financial management has become a hot social problems, become the important way to realize the ideal of life.

良好的理财规划可以提高资本要素的配置效率，进而实现资本运作的利益最大化，也可以增加居民的财产性收入，提升居民家庭的生活品质。
Good financial planning can improve the allocation efficiency of capital allocation of capital operation, so as to realize the profit maximization, also can increase the residents of property income, improve residents family life quality.

本文从理财规划的目的、步骤、内容和原则等方面对理财规划问题展开了总体分析和研究。
This article from the financial planning, the purpose of the steps, the content and the principle of financial planning issues on the overall analysis and research.

家庭投资理财的选择、组合、调整行为可以定义为家庭对某一种或某几种资产所产生的需求偏好和投资倾向，本文对家庭的投资理财的这一行为进行了分析，并对家庭投资理财如何获取收益和家庭投资理财风险及其规避进行了分析，希望对家庭投资理财的实践有所帮助。
Family financial investment, adjusting the selection and combination of behavior may be defined as family on one or a few assets generated demand preference and investment tendency, this paper family financial investment this behavior was analyzed, and the family financial investment returns and how to acquire family financial investment risks and avoid are analyzed, hope to family investment banking practice help.

理财规划，是针对个人在人生发展的不同阶段，依据其收入、支出状况的变化，制定个人的家庭财务管理方案，帮助个人实现人生各阶段的目标和理想。
Financial planning, which is based on personal life in different development stages, on the basis of the income and expenditure condition changes, develop individual family financial management plan, help individuals achieve the life of each phase ideal and goal.

良好的理财规划可以提高资本要素的配置效率，进而实现资本运作的利益最大化，也可以增加居民的财产性收入，提升居民家庭的生活品质。
Good financial planning can improve the allocation efficiency of capital allocation of capital operation, so as to realize the profit maximization, also can increase the residents of property income, improve residents family life quality.