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Investigation and Research on Family Financial Management of Guangzhou Residents

机译：广州居民家庭财务管理调查研究

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This study analyzes the problems and makes suggestions by investigating the current situation of family financial management of Guangzhou residents. This study has used questionnaires to collect data and analyze data using SPSS20.0. The study finds that 24.8 per cent of households spend the most on "education". 41.6% of households spend 50%-60% of their annual income, 32.1% of households generally express the need to invest in financial management, 32.8% of households aim to achieve asset appreciation, and 37.2% of households want to have a financial plan in the future. 43.1% of households participate in financial management mainly through bank deposits, 45.3% of households invest 5% to 10% of their income, 40.9% of households reduce risk through their portfolios, 34.3% of households obtain financial information through the Internet, 41.1% of households have investment returns below 10%, and 53.3% of households are dissatisfied with their returns. Conclusion: The financial management of households in Guangzhou is restricted by income and expenditure, and there are bottlenecks. They have financial goals, lack of planning, conservative financial investment, and low financial investment, lack of scientific financial management, and low financial returns and satisfaction. According to the research, some suggestions are put forward to optimize family financial management in Guangzhou.
机译：这项研究通过调查广州居民家庭财务管理现状，分析问题，提出了建议。本研究使用调查问卷来收集数据并使用SPSS20.0分析数据。研究发现，24.8％的家庭在“教育”中最多。 41.6％的家庭花费50％-60％的年收入，32.1％的家庭普遍表达投资财务管理的需要，32.8％的家庭旨在实现资产升值，37.2％的家庭希望拥有财务计划将来。 43.1％的家庭主要通过银行存款参加财务管理，45.3％的家庭投资5％至10％的收入，40.9％的家庭通过他们的投资组合降低风险，34.3％的家庭通过互联网获得财务信息，41.1％家庭的投资回报低于10％，53.3％的家庭因其退货而不满意。结论：广州家庭的财务管理受收入和支出的限制，有瓶颈。他们拥有财务目标，缺乏规划，保守金融投资和低金融投资，缺乏科学财务管理以及低金融回报和满意度。据研究，提出了一些建议，以优化广州的家庭财务管理。

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