[原创]财务健康,士气激昂——（一）团队建设与理财
<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="EN-US"><p><font face="Calibri"> </font></p></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">提高团队战斗力的手段之一是提高团队成员的工作意愿，即在“愿意干”方面下功夫。在这方面，除了薪酬、福利之外，还可以在“员工关怀”上下功夫。</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="EN-US"><p><font face="Calibri"> </font></p></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">人们都在追求快乐，都在追求幸福的生活，因而需要工作；而稳定有序的生活，也能激发人的工作激情，激发人的创造力！因此将“帮助员工实现生活品质改善”作为“员工关怀”的出发点和落脚点是再恰当不过的了。</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="EN-US"><p><font face="Calibri"> </font></p></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">可以帮助员工改善生活的层面很多，而“理财”无疑就是这种多层面中最突出的一个。</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">我们已经被理财产品、理财活动、理财资讯所包围：银行、证券公司、基金公司、保险公司</span><span style="FONT-FAMILY: 宋体; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast;">┈┈</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">都在不遗余力地推广他们的投资理财产品；电视、报纸、杂志、互联网</span><span style="FONT-FAMILY: 宋体; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast;">┈┈同样在</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">大张旗鼓地推波助澜</span><span style="FONT-FAMILY: 宋体; mso-ascii-theme-font: minor-fareast; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">……这巨大的诱惑我们很难抗拒。而与此同时，</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">大部分员工缺乏这方面的知识，面对这突如其来的大潮：有的员工人云亦云、随波逐流；有的摩拳擦掌、跃跃欲试</span><span style="FONT-FAMILY: 宋体; mso-ascii-theme-font: minor-fareast; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">……。其结果使得很多员工在市场火热时辞职他去，在市场退潮后意志消沉……类似的波动对公司的发展是相当不利的！<span lang="EN-US"><p></p></span></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">因此帮助员工补上这一课，一方面可以降低金融市场的潮起潮落对企业人员的冲击，降低流动率，降低招聘成本；另一方面还可以帮助员工尽可能的利用金融市场谋的利益，真正分享到社会发展的成果。这真真正正是一件企业与员工双赢的大好事。</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="EN-US"><p><font face="Calibri"> </font></p></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">一句话，帮助员工掌握理财知识是可以提高团队运作效率的，是企业与员工双赢的举措！</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="EN-US"><p><font face="Calibri"> </font></p></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">下一周，我们要谈的是“该如何帮助员工掌握理财知识”敬请关注！</span></p> <p>企业领导真正实现了员工"愿意干"的管理目标,企业的内部竞争力将是很强大的.</p><p>如何真正实现这个目标,是需要认真思考的.从时间管理,从财务健康管理的角度下手抓,是个很不错的开端.</p> 愿闻其详！ 很有见地。。。。 <p>团队建设主要在于干部要撑握什么该管，什么不该管，</p> <p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="EN-US"><font face="Calibri">(</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">二</span><span lang="EN-US"><font face="Calibri">)</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">如何帮助员工掌握理财知识</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="EN-US"><p><font face="Calibri"> </font></p></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">帮助员工掌握理财知识固然是件好事，但如果操作不当，可能会适得其反。因此在帮助员工掌握理财知识的过程中，要注意如下两方面事情：</span><span lang="EN-US"><font face="Calibri">1</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">、理财顾问要够专业——理财知识够专业、理财服务够专业；</span><span lang="EN-US"><font face="Calibri">2</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">、学习过程必须有助于员工关系的改善与加强。如何能做到这两点呢？</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="EN-US"><p><font face="Calibri"> </font></p></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">首先，要选择有经验的理财顾问。当下，理财是个热门话题，银行、证券公司、基金公司、保险公司的工作人员都愿意以“理财顾问”的身份推广业务，但实话讲，真正能做到从客户出发，详细介绍个人或者家庭该如何理财，并能帮助设计理财方案的理财顾问是不多的——尤其是针对货币资产不足</span><span lang="EN-US"><font face="Calibri">50</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">万的人。“不怕不识货，就怕货比货”，多找几位理财顾问，你一定能找到你真正需要的理财顾问；</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="EN-US"><p><font face="Calibri"> </font></p></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">其次，理财顾问一般会代理相关产品，在合作之前要明确约定：杜绝推销行为！如果员工有需求，那么请员工与理财顾问联系，而不是把员工电话提供给理财顾问——这样可以避免被无情地骚扰。如果理财顾问要求调查问卷，人力资源朋友可以帮助设计，注意不要泄露员工的通讯方式！</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="EN-US"><p><font face="Calibri"> </font></p></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">建议</span><span lang="EN-US"><font face="Calibri">:</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">为了给员工提供便利的服务，可以与理财顾问约定每月来服务一次</span><span lang="EN-US"><font face="Calibri">,</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">时间可以根据公司的具体情况与理财顾问加以约定</span><span lang="EN-US"><font face="Calibri">,</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">这样就可以满足员工的需求了</span><span lang="EN-US"><font face="Calibri">!</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">什么</span><span lang="EN-US"><font face="Calibri">?</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">理财不愿意</span><span lang="EN-US"><font face="Calibri">?</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">如果一个理财顾问没有这样的服务意识</span><span lang="EN-US"><font face="Calibri">,</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">又如何能够提供有利于员工、有利于企业的理财服务呢？如做不到这一点，可以说还不如不为员工提供理财服务的好——宁缺勿滥吧：）</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="EN-US"><p><font face="Calibri"> </font></p></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">下一周我要谈的是“家庭理财总论”，敬请关注！</span></p> <P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><FONT face=Calibri>(</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">三</SPAN><SPAN lang=EN-US><FONT face=Calibri>)</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">家庭理财总论</SPAN></P><P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">原本这一节我们应该谈三个问题：什么是理财、为什么要理财、谁要理财。但由于</SPAN><SPAN lang=EN-US><FONT face=Calibri>”</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">什么是理财</SPAN><SPAN lang=EN-US><FONT face=Calibri>”</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">这个概念相对独立，所以我就把它作为一个单独的章节来阐述（下一节讲述这部分内容），因此这一节只谈：为什么要理财，谁要理财这两部分。</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p><FONT face=Calibri> </FONT></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">为什么要理财呢？这个问题与人生的特点有关，具体说有如下三点原因：</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">首先，人生是一条单行线——绝不能重头来过，正如来百姓常说的：世界上什么都有，就是没有后悔药！另外，人不能一辈子工作——在一些特定情况下，或者到了一定年龄，你将不得不离开工作岗位——这是社会的潜规则；第三，社会变得越来越复杂，传统的生活习惯越来越不适应现代社会环境，因而我们需要新的、有效的应对手段。</SPAN></P>
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<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">谁要理财呢？根据上一段的观点，可以说“人人都需要理财”！但从实际效果来讲，从</SPAN><SPAN lang=EN-US><FONT face=Calibri>26</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">岁到</SPAN><SPAN lang=EN-US><FONT face=Calibri>45</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">岁是最关键的理财阶段。为什么这样说呢？让我们具体分析分析：按中国现状，从出生到大学毕业（</SPAN><SPAN lang=EN-US><FONT face=Calibri>21</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">岁）基本上由父母供养；</SPAN><SPAN lang=EN-US><FONT face=Calibri>21</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">岁到</SPAN><SPAN lang=EN-US><FONT face=Calibri>25</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">岁，自己挣的钱够花，不需要父母接济已经非常不错了，很难有钱来理；</SPAN><SPAN lang=EN-US><FONT face=Calibri>26</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">岁到</SPAN><SPAN lang=EN-US><FONT face=Calibri>45</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">岁，。能力得到了锻炼，经验得到了丰富，正是年富力强的好年纪，收入提高会比较快，这个时候能够认认真真地做好理财工作，人生的后半程才会走得轻松自如。但这个年龄段人的眼光是向外的，往往会忽略理财的重要性；对于大部分人来讲，</SPAN><SPAN lang=EN-US><FONT face=Calibri>45</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">岁到</SPAN><SPAN lang=EN-US><FONT face=Calibri>55</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">或者</SPAN><SPAN lang=EN-US><FONT face=Calibri>60</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">岁，由于身体、精力、知识的更新水平等因素的影响，收入会呈现下降的趋势，这个年龄段的人的眼光逐渐向内，行为趋于保守，理财活动自然加强；而在退休之后，收入即使有，也是相当不连贯的，这个时候除了把早期积攒下来的钱作合理分配外，其实已经没有太多可以改变现状的动作了。</SPAN></P>
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<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">理财活动最主要的年龄段虽然在</SPAN><SPAN lang=EN-US><FONT face=Calibri>26</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">—</SPAN><SPAN lang=EN-US><FONT face=Calibri>45</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">岁之间，但是如果想在这个年龄段真正做好理财工作，其实要尽早建立理财观念、掌握理财方法、培养理财习惯！北京市在今年</SPAN><SPAN lang=EN-US><FONT face=Calibri>3</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">月将对北京市中学生开一门课叫“理财有道”，上海市在</SPAN><SPAN lang=EN-US><FONT face=Calibri>08</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">年</SPAN><SPAN lang=EN-US><FONT face=Calibri>9</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">月已经开了这门课，由此可见，国家已经行动起来了，我们自己呢？如果我们的企业借着这股风也来做这件事，是不是也可以起到“笼络人心、和谐劳动关系”的作用呢？</SPAN></P>
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<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">下一节的</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">题目是“什么是理财”，敬请关注并参与交流！</SPAN></P> <P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">（四）什么是理财？</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">一谈到理财</SPAN><SPAN lang=EN-US><FONT face=Calibri>,</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">大家马上会想到买股票、买基金、买房子、买黄金等等——其实这是大家对理财的误解！买股票、买基金、买房子、买黄金其实都属于投资，而且是投资中的一个简单的步骤——投资不仅有买，还包括“卖”。买还包括：“用多少钱买”、“什么时候买”、“买什么”、“买多少”等等；</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">那究竟什么是理财呢？让我们看看下面的三个不同的机构或个人给“理财”下的定义：</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt 36pt"><SPAN lang=EN-US style="mso-bidi-font-weight: bold"><FONT face=Calibri>——</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">理财是为了实现个人的人生目标和理想而制定、安排、实施和管理的一个各方面总体协调的财务计划的过程。</SPAN><SPAN lang=EN-US><FONT face=Calibri> ——</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">《</SPAN><SPAN lang=EN-US><FONT face=Calibri>2005</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">理财通》</SPAN><FONT face=Calibri> </FONT></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt 36pt"><SPAN lang=EN-US style="mso-bidi-font-weight: bold"><FONT face=Calibri>——</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">个人理财是指如何制订合理利用财务资源、实现个人人生目标的程序。</SPAN><SPAN lang=EN-US><FONT face=Calibri>——</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">美国理财师资格鉴定委员会</SPAN><FONT face=Calibri> </FONT></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt 36pt"><SPAN lang=EN-US style="mso-bidi-font-weight: bold"><FONT face=Calibri>——</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">理财是为了实现个人全部财务目标而制定和实施的协调一致的总体计划。</SPAN><FONT face=Calibri><SPAN style="mso-bidi-font-weight: bold"> </SPAN><SPAN lang=EN-US>——</SPAN></FONT><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">冯春</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p><FONT face=Calibri> </FONT></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">根据这三个定义以及我的经验，我理解</SPAN></P>
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<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">首先，“理财”是一种活动，是一个积累财富的过程，是为了实现人生目标而奠定物质基础的一个过程！</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><o:p><FONT face=Calibri> </FONT></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">其次，“理财”首先要有一个计划，也就是要有自己的“理财方案”，这个方案是根据自己现有的资源、生活现状、人生目标、财务目标而制定出来的；</SPAN></P>
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<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">第三，因为“理财是一个过程”，不能一蹴而就。因此我们需要养成一个习惯，一个制定“理财方案”、执行“理财方案”、检视“理财方案”的习惯；</SPAN></P>
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<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">第四，掌握相应的“理财工具”以便我们能够选择、利用符合我们自身特点和要求的理财工具，确实实现财富持续增长的目的！</SPAN></P>
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<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">最后，掌握有效的“管理工具”，把我们的财务很好的管理起来，做到心中有数。</SPAN></P>
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<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">下一节的题目是“家庭理财的内容”，敬请关注并参与交流！</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><o:p><FONT face=Calibri> </FONT></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><FONT face=Calibri>(</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">五</SPAN><SPAN lang=EN-US><FONT face=Calibri>)</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">家庭理财的内容</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p><FONT face=Calibri> </FONT></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">理财是一个大家都关心的话题，是现代人都应该掌握的一种生活技能！理财不能使你一夜暴富，但能够使你在当今不确定因素显著增加的社会环境中保持财富的稳定、持续增长，使你的人生立于不败！</SPAN></P>
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<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">家庭理财包括以下三部分内容：一、掌握工具，二、确定收入分配方案、三、养成理财习惯。</SPAN></P>
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<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">工具分两大类：一是财务分析工具，包括消费状况分析表、储备分析表、风险承受能力评估等几种——这类工具主要是用来确定收入分配方案的；另一类是财务管理工具，主要有：收入状况表、收入分配表、资产负债表等等——这类工具主要是管理目前的财务状况的。</SPAN></P>
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<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">确定收入分配方案是家庭理财工作的一个核心。它的基本逻辑是这样的：首先对我们现在的生活加以描述，并确定现在的生活状态下我们的财务状况是如何的，接下来要对我们未来的生活（尤其是退休后的生活）做出预计，然后计算出支撑那样的生活所需要的财物准备是什么样的，然后在现状和目标之间寻找一个平衡点，即可确定收入分配方案了。一个收入分配方案应该包括消费——现在（年内）要花掉的钱、储备——未来要掉，但一年之内不需要花掉的钱、投资——帮助我们获得财富增长的钱三部分构成！这样的结构会使我们在财务上能达到“进可攻、退可守，游刃有余”的地步，能够确保财富的稳定、持续增长，而不会影响正常的生活状态。</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><o:p><FONT face=Calibri> </FONT></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">性格决定命运，习惯决定成败！如同人生，理财也是一个过程，因此需要一个良好的习惯作支撑。只有养成一个良好的理财习惯，理财活动才能使你真正受益！后面有单独的一节会对理财习惯作专门的阐述，这里就不作解释了。</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><o:p><FONT face=Calibri> </FONT></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">敬请大家关注下一节“家庭理财之天龙八部”，并参与讨论！</SPAN></P> <P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><FONT face=Calibri>(</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">六</SPAN><SPAN lang=EN-US><FONT face=Calibri>)</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">家庭理财之天龙八部</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p><FONT face=Calibri> </FONT></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">起这样一个名字有相当一部分原因是为了好听好记</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Wingdings; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-char-type: symbol; mso-symbol-font-family: Wingdings"><SPAN style="mso-char-type: symbol; mso-symbol-font-family: Wingdings">J</SPAN></SPAN></P>
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<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">前面的</SPAN><SPAN lang=EN-US><FONT face=Calibri>5</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">部分主要是讲述这样两件事</SPAN><SPAN lang=EN-US><FONT face=Calibri>:</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">一、为员工提供理财咨询与服务是有效改善员工关系的方法之一，而且是可以操作的；二、对于理财这一活动作了原则、概念、内容方面的阐述。</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><o:p><FONT face=Calibri> </FONT></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">这一章主要介绍员工个人、或者家庭掌握理财技能的步骤：</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><o:p><FONT face=Calibri> </FONT></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">第一步：了解生活现状——有的人以赚钱为乐趣，但大部分人赚钱的目的还是为了生活的更快乐、更有品味，因此了解目前的生活状态，以确定需要改进和提高的生活内容就自然成为了“理财的第一步”；</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><o:p><FONT face=Calibri> </FONT></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">第二步：分析财务现状——生活的状态是由你的财务状况加以支撑的，了解支撑你现在生活状况的财务状况是了解你的生活与财务之间关系的有效方法，因此，分析你的财务状况自然成为了“理财的第二步”；</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><o:p><FONT face=Calibri> </FONT></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">第三步：明确生活目标——对未来生活的要求是确定理财目标的前提，因此成为“理财的第三步”。这一部分可以设立很多个目标，但其中必须设置一个“退休目标”和一个“起始目标”；</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">第四步：确定财务目标——前面已经谈过“生活要以财务为基础”，因此要为生活目标建立一个财务目标，以便为生活目标提供有效的财务支撑是必不可少的；</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><o:p><FONT face=Calibri> </FONT></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">第五步：确定理财方案——理财方案是实现财务目标的计划，财务目标的是否达成完全依赖于你的方案，但方案要以市场状况，你自身的能力、特点为依据来制定；</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><o:p><FONT face=Calibri> </FONT></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">第六步：忠诚有效执行——惟有行动才能导致结果——这一点毋庸置疑，理财方案是需要严格执行的；</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><o:p><FONT face=Calibri> </FONT></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">第七步：调整理财方案</SPAN><FONT face=Calibri> </FONT><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">——与“第六步”相对应，方案不是一成不变的，尤其是某些因素发生变化的时候，本节将重点介绍变更方案的特殊节点；</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><o:p><FONT face=Calibri> </FONT></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">第八步：培养良好习惯——三天打鱼，两天晒网是不会有成果的，理财需要持之以恒，因此培养出科学、有效的理财习惯的人才能真正成为理财活动的受益者。</SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><o:p><FONT face=Calibri> </FONT></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">下一节就介绍“理财第一步——了解生活现状”，敬请关注与交流：）</SPAN></P>