利率市場化背景下的個人理財技巧
摘 要：利率市場化是金融市場發展的必然結果，是金融國際化的必然要求。市場經濟要求按市場機制配置資源，資金作爲1種重要的經濟資源，將在新的利率機制作用下對國內經濟全範圍進行合進配置。利率作爲貨幣資金的價格，其形成機制的變化、作用機制的調節，將會對投資者的投資行爲與決策產生重大影響。同時，利率市場化也爲投資帶來了新的風險，我們也應該理性的面對風險。而利率的市場化在1定程度上將對個人理財的決策產生影響，從前固定匯率下的投資決策也將隨着利率的'市場化的到來產生翻天覆地的變化。本文最後探討了在個人理財中的合法的避稅技巧，也是個人理財技巧中的重點。
關鍵詞：利率市場化；利率風險；投資風險；理財技巧
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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