利率市场化背景下的个人理财技巧
摘 要：利率市场化是金融市场发展的必然结果，是金融国际化的必然要求。市场经济要求按市场机制配置资源，资金作为1种重要的经济资源，将在新的利率机制作用下对国内经济全范围进行合进配置。利率作为货币资金的价格，其形成机制的变化、作用机制的调节，将会对投资者的投资行为与决策产生重大影响。同时，利率市场化也为投资带来了新的风险，我们也应该理性的面对风险。而利率的市场化在1定程度上将对个人理财的决策产生影响，从前固定汇率下的投资决策也将随着利率的'市场化的到来产生翻天覆地的变化。本文最后探讨了在个人理财中的合法的避税技巧，也是个人理财技巧中的重点。
关键词：利率市场化；利率风险；投资风险；理财技巧
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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