中译英 短文论独生子女时代的理财规划郑林艳摘要：从1980年以来我国在全国推行独生子女计划将近30年,第一代独生子女也已

中译英 短文
论独生子女时代的理财规划
郑林艳
摘要：从1980年以来我国在全国推行独生子女计划将近30年,第一代独生子女也已成年,随着我国计划生育政策的普遍实行,我国人口数量得到了明显的控制,人口增长速度减慢.目前我国对于独生子女在经济学方面的研究大多倾向于和他们父母相关的一系列问题,例如独生子女父母养老问题方面的研究以及独生子女在成长过程中的理财问题等.而主要针对独生子女成年后其个人理财规划的问题研究,缺乏实证分析.再加上随着我国个人理财业的发展,商业银行等金融机构也已逐渐发展和完善个人理财业务,居民对理财业务的需求也逐渐提高.高质量的理财规划方案的制定不仅有利于个人,也标志着我国金融业的发达.第一代独生子女是在我国改革开放经济快速增长的环境中成长,对新兴的理财业务具有一定的需求,他们的理财规划的好坏也反映了我国现阶段理财业务需改善和加强的地方.
论文以湖南为研究样本,通过对身处单身期的第一代独生子女进行调查,了解他们现阶段的理财规划的现状以及理财需求.对其理财规划的现状进行了现实考察分析,并通过描述性统计分析了影响其理财规划现状的各个因素.进而发现第一代独生子女在对理财规划的态度上有待改善,其对理财规划知识的了解以及在理财规划的实际行动力上都有所缺乏.因此第一代独生子女要加强对理财规划知识的了解,并认真的执行理财规划方案.
关键词：独生子女,现状,理财规划

On Financial Planning of One-child Era
(zheng Linyan)
Abstract:It has been for about thirty years since one-child policy had been carried out domestically and the first generation of one-child have also grown up.With the family planning policy being implemented widely,the domestic population size has effectively controlled and the rate of population increase has become slower.At present,the economic research on the one-child issue tend on a series of problems on their parents,such as aged-care,financial planning during their growth and so on.However,speaking of the latter,there's lack of demonstration and analyzation.Furthermore,the financial institutions such as commercial banks have been developing and perfecting their personal financial managing business with its development and at the same time,the inhabitants have more requirment for relative business.A high quality planning scheme is not only benificial to individual but also to the development of domestic financial business.The first generation of one-child family has grown up against a reform and open background with rapid economy growth,who has a certain command of new financial management.And their opinion about the scheme reflects the aspects in which we'd make progress and revise.
The paper regards Hu'nan Prov.as a sample,investigates the first single generation of one-child to grasp their current financial plan and requirement.Then makes actual investigation and analyzes various factors which affect scheme through descriptive statistic analysis.It has been found that their attitude towards financial planning remains improvement and they have a common lack of relative knowledge and practical activity.So it's necessory for them to be acquainted with financial management and carry out the concret plan.
Key Words：one-child,actuality,financial management