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本文首先分析了莫迪利亚尼生命周期储蓄理论与马科维茨多目标投资组合理论两个关键的居民家庭理财理论,并以此为基础,结合黑龙江省城镇居民中低收入家庭理财的现状调研情况,结合生命周期内的满巢阶段家庭的理财策略流程进行了详细的分析。
This paper first analyzes the two key theories of financial management by Modigliani’s life-cycle savings theory and Markovic’s portfolio theory, and based on this, combining the current situation of financial management among middle and low-income urban households in Heilongjiang Province Research situation, combined with the life cycle of the family’s family planning strategy of financial management, a detailed analysis.