在当今的社会里，济南代理记账公司建议每个家庭的理财都应遵循以下几个方面原则。
In today's society, jinan bookkeeping agency company recommends every family financial management should follow the principle of the following aspects.
一、保证应付生活的各项支出。
A, assure to cope with life in all kinds of spending.
一般家庭的易变现资产包括现金、银行存款、较易变现的股票、黄金等。这些款项的总和应调整到足以应付4-6个月生活中的各项支出。这样在面临任何家庭收入突然中断出现危机时，仍有较为充裕的时间和资金面对困难。
Average household of liquid assets include cash, bank deposits, relatively easy to liquidate shares, such as gold.The sum total of these payments should be adjusted enough to cope with four to six months of expenses in their lives.So any household income suddenly appeared in the face of the crisis, there is still a relatively plenty of time and money in the face of difficulties.
二、计算“生活风险忍受度”，并做好保护措施。
Calculate risk tolerance, "" life, and completes the protective measures.
这里所说的“生活风险忍受度”是指如果家庭主要收入者发生严重事故，例如伤、病等，家庭经济生活所能维持的时间长度。在当今社会中，为解决“生活风险忍受度”所设计出来的最佳工具就是人身保险。通过全社会来分担风险的方式，以寻求完整的家庭保证。
Here "life risk tolerance" refers to a serious accident if family main earners, such as injury, disease, etc., the economic life of the family can maintain the length of time.In today's society, in order to solve "life risk tolerance" designed by the best tool is the personal insurance.Through the way of the whole society to share the risk, to find a solution to the whole family.
三、了解理财工具。
Understanding of financial management tools.
家庭生活中的理财工具，绝不仅仅是储蓄和买卖股票。简单地说，我们可以将家庭理财所适用的金融投资工具分为下列3类：最为保守的银行存款;保守而稳健成长的“固定收益型”投资工具，包括债券、基金等;有高报酬但也相对较为冒险的投资工具，包括国内外证券基金、期货基金等。
Financial management tool in family life, not just about saving and buying and selling stocks.In simple terms, we can family financial management of the financial investment tools can be divided into the following three categories: the most conservative bank deposits;Conservative and steady growth of "fixed income" investment tools, including bonds, funds, etc.;A high pay but also relatively risky investment tools, including domestic and foreign securities funds, futures, etc.
四、评估未来的财务需求。
Evaluate financial needs in the future.
家庭理财的明确目标之一是针对未来的家庭财务需求预作规划，这些未来需求大致包括子女教育费用、购房费用、养老费用3大类。
Family financial management is one of the specific goals for the future of the family financial needs for planning, the future demand roughly include their children's education cost, purchase cost, pension costs 3 kinds big.
以上是济南代理记账公司所分享。
Above is the share jinan bookkeeping agency co., LTD.
济南代理记账公司：http://www.jnqqjz.com
