摘    要在我国的老龄化越来越严重的背景下，老年人理财的需求开始变大。但是老年人目前理财存在很多的问题，除了自身的问题，还有金融机构以及政府的相关的问题。本文分析研究了这些问题，就这些问题提出了相应的一些建议及对策。老年人自身应该强化理财意识，丰富自身理财知识，端正对于理财的态度。金融机构则应该创新发展适合老年人的理财产品，引导老人选择适合的理财规划，帮助老年人实现资产保值增值的期望。政府就应该给予相应的扶持政策优惠政策，鼓励支持金融机构发展，同时也维护好老人的权益，创建一个良好健康的老年人理财市场，吸引更多的老年人加入，从而减轻老龄化带来的社会以及家庭负担。89113

The problem of population aging is getting worse in China。In this context,Old people’s awareness of financial is becoming stronger,and their demand for finances is increasing。But there are many problems of old people’s personal finance which including government ,financing institution and old people’s own problem。The paper brings forward some countermeasures and suggestions by analyzing these problems。Old people should strengthen their financial awareness,enrich their financial knowledge and take a correct attitude to financing。 Financial institution should develop the financial products for the elderly,lead old select the appropriate financial planning,help them to achieve the expectation of maintenance and appreciation of assets value。Government should intensify policy support and favorable policies,encourage and support the development of financial institutions,in the same time,safeguard the rights of the elderly,create a healthy and good financial market for the elderly,attract more elderly people to join in to reduce the social and family burden causing by aging。源Y于U优I尔O论P文W网wwW.yOueRw.com 原文+QQ75201-8766

毕业论文关键词：个人理财； 人口老龄化； 问题与对策

Keyword:  personal financial； aging； problem and countermeasure

目    录

引言 1

1 人口老龄化背景 1

  1。1 我国人口老龄化现况 1

  1。2我国人口老龄化特点 2

2 个人理财理论基础 2

  2。1生命周期理论 2

  2。2投资组合理论 3

  2。3资本资产定价理论 3

3 老年人理财现状 3

  3。1老年人理财动机分析 3

  3。2老年人理财的来自优Q尔W论E文R网wWw.YouERw.com 加QQ75201.8766 一般特征分析 4

4 老年人理财面临的现实问题 5

  4。1老年人对新生事物接收能力差 5

  4。2金融机构缺乏适合老年人理财的金融产品 5

  4。3相关法律法规建设的滞后 6

5 关于老年人理财的几点建议和对策 6

  5。1端正老年人理财态度 6

  5。2完善金融机构理财服务 8

  5。3政府加大推动力量 8

参考文献 10

致谢