摘要：改革开放以来，我国家庭收入和财富都有了大幅度增长。而随着家庭收入与财富的增长及世界整体投资环境的影响，在21世纪初，中国的金融市场掀起了一片狂潮——国人对股票的痴迷、对基金的追捧达到了历史最高点，外加物价的飞快上涨、负利率时代的来临，使得更大范围的人群对理财的需求日益增强，市场上掀起的那势不可当的理财热潮如雨后春笋般成长起来。不过，到2008年的形势却发生了很大的转折：随着美国次贷危机的影响，世界经济的整体开始衰退，中国也受到了一定程度的牵连，全部投资市场的热度大不如前，投资者回归理性，重新乐于选择将资金存入安全系数高的银行，借以躲避金融危机带来资产流失的隐患。而从去年开始，世界经济逐渐回升，从这可以看出，经济周期是循环波动的，有波谷就会有波峰，理应用乐观、积极、理性的眼光去面对目前表现还不稳定的市场。

　　　个人理财也逐步受到人们的重视，这不再是陌生的话题，已经被越来越多的家庭和个人所重视。那么，如何管理好个人经济，是维系一个家庭及过好日子的至关重要问题。经济市场明显的不稳定，也会影响理财策略的制订。具备理财知识，不仅可在经济大环境不错的情况下获取比别人更多的收益，同时在经济低迷期，可保护自己少受金融动荡的波及、资产方面少受外界环境的侵蚀。

　　　个人理财是一个人一生的财务规划，通过不断调整规划来实现的目标。通过设计将个人整个生命周期考虑在内的终身财务计划，将个人未来的职业选择、子女及自身的教育、购房、保险、医疗、企业年金和养老、遗产及继承以及生活个人所必须面对的各种税收等方面的事宜进行妥善安排，使个人在不断提高生活品质的同时，即使到年老体弱或收入减少的时候，也能保持自己所设定的生活水平，最终达到终生的财务安全和生活幸福。在个人理财中货币时间价值是最基本的理论基础，如果没有货币的时间价值，通过理财来让自己的财富保值和增值就没有必要进行了。

关键词: 个人理财；财务分析；投资收益；资金时间价值

Abstract：Since the reform and opening up， China's household income and wealth had substantially growth． As household income and wealth growth and world overall investment environment， at the beginning of the twenty-first Century， China 's financial market set off a craze -- people on the stock 's obsession， to fund the sought after reached the highest point， with prices rising fast， the advent of the era of negative interest rates， greater range the crowd on the financial demand increases increasingly， market set off on the irresistible financial． However， by 2008the situation has undergone great transition : with the impact of American subprime mortgage crisis， the whole of world economy began to slump， China has also been a degree of involvement， investors return to rational， to choose to deposit high safety factor of bank， so as to avoid financial the crisis brought about the loss of assets risk． From last year， the world economy is gradually recovering， from which can be seen， economic cycle is a cycle， a trough will have a crest， and optimistic， positive， rational application of vision to face the current performance is also unstable market．

　　　Personal finance is gradually valued by people， has been more and more individual attention． So， how to manage personal economy， is to maintain a family and live a good life the crucial question． Market economy apparent instability， also will affect the financial strategy． Preparation of financial knowledge， not only in the economic environment good situation gets more than others income， at the same time in the economic downturn， can protect themselves from financial turmoil spread， assets less affected by external environment erosion．

　　　Personal financing is a person life financial planning， through continuous adjustment of planning to achieve a goal． Through the design of the whole life cycle are considered lifelong financial planning， personal future occupation choice， their children and their education， housing， insurance， medical and pension， heritage and inheritance as well as living individuals must face various aspects such as taxation matters properly， so that the individual in improve the life quality at the same time， even to the frail or income decreases when， can also maintain their own set of standard of living， ultimately achieve lifelong financial security and happiness life． In personal finance monetary time value is the basic theoretical foundation， if not the time value of money， through financial to let their wealth and value added there is no need to．

Key Words：Financial management； financial analysis；time value of money