个人理财的目标约束及其作用机制研究

随着国民经济的发展和居民收入的增加，个人理财已经成为我国当前金融服务创新的热点领域。但在诸多行业和部门进入该领域的过程中，过度强化财务目标而忽视生活目标所引致潜在矛盾和信用危机始终存在。基于此，本文引入系统基模对个人理财生活与财务双重目标约束的作用机制进行了结构分析，并提出加强生活投资的扩充和践行财务目标的分层，构建基于整体人生规划的生活目标统领下的个人理财财务目标体系，以保障个人理财业的健康可持续发展：

Research on the Personal Financial Objectives Constraints and Its Functional Mechanism

As the national economy development and citizens＇ income increases, personal finance has be- come China＇s current hot issue of innovation in financial services. However, during the process of many industries and sectors entering this field, excessive strengthening of the financial objective and ignorance of life objective will cause the potential conflicts and the credit crisis. For this reason, this paper introduces the system archetypes to structurally analyze the functional mechanism of the personal financial dual objectives constraints of lives and fi- nances, proposes to strengthen the enlarged investment in life and complete the hierarchical division financial objec- tives, and builds on personal finance objectives system led by life objective based on holistic life planning in order to protect the healthy sustainable development of the personal finance industry.