论文部分内容阅读
徐先生和妻子是典型的丁克家庭,生活在北京,夫妻均27岁。徐先生是个体经营户,年收入20万元,无任何保险。妻子在私企,月入4000元,有社保。双方父母年龄在47~51岁,有基本收入或存款,还有农村医保,暂无赡养负担。夫妻俩另有银行存款40万元,无任何投资。他们每月的租房支出为2300元/月(办公住宿两用),衣食住行和其他杂费约8000元/月。他们计划在3年内购房买车,并为全家人购买一些必要的保险和完善夫妻俩的养老规划。财务分析徐先生的家庭目前处于成长期,这个时期是个人和家庭的主要消费期,在经济收入不断增加的同
Mr. Xu and his wife are typical DINK families, living in Beijing, both husband and wife are 27 years old. Mr. Xu is a self-employed, with an annual income of 200,000 yuan, without any insurance. Wife in private enterprises, monthly income 4,000 yuan, there are social security. Both parents are 47 to 51 years of age, with basic income or deposits, as well as rural health insurance and no burden of support. Another couple bank deposit 400000 yuan, without any investment. Their monthly rental expenses of 2,300 yuan / month (office accommodation), basic necessities and other miscellaneous expenses of about 8,000 yuan / month. They plan to buy a car within three years and buy the necessary insurance for the entire family and improve the couple’s retirement plan. Financial Analysis Mr. Xu’s family is currently in a period of growth, this period is the main consumer and personal consumption of the family, with increasing economic income in the same