当前市场经济环境中,各种新兴的经济形态好不断涌现,像互联网+,信息经济、互联网金融、数据经济等。这些新的经济形态给理财凸显了民众理财风险意识不全面、理财领域和范围的拓宽、投资方式单一,理论知识和有效行动不足、期望过高等特点,因此要通过增强民众理财风险意识、树立融智理财观念、树立创造性共赢的理财理念等途径来促进民众理财理念转型升级。 In the current market economic environment, various emerging economic patterns are well emerging, such as the Internet +, information economy, Internet finance, data economy and so on. These new forms of economic growth have highlighted the people’s risk awareness of financial management is not comprehensive, broaden the scope and scope of financial management, a single mode of investment, theoretical knowledge and effective action, lack of expectations and so on, therefore, by strengthening the people’s financial risk awareness, establish financial Intellectual wealth management concepts, establish a win-win concept of financial management and other ways to promote the concept of public finance transformation and upgrading.