家庭理财财务健康诊断指标体系解析

摘要

家庭财务健康是理财规划的前提和基础，依据家庭资产负债表和收入支出表的信息，对家庭资产增值能力、投资能力、债务负担能力、流动资产持有额度、风险保障投入额度、财务自由度等方面评价指标计算，并与理想参考值进行比较，以此来判定家庭财务健康状况，判定理财目标达成的可能性，这是家庭理财规划的必要环节，也是体现理财规划专业性、科学性的重要方面。%Family financial health is the premise and foundation of financial planning, according to household balance sheet and income and expenditure statement information of family asset capacity, investment capacity and debt affordability, liquid asset holding amounts, security risk investment amounts, financial freedom. This helps determine the financial health of a family situation and the possibility of achieving financial goals, which is a necessary as part of family financial planning.