P银行个性化理财业务设计研究

发布时间：2018-05-24 05:07

本文选题：前景理论 + BHS模型　；参考：《大连理工大学》2012年硕士论文

【摘要】：21世纪的中国步入高速发展期,社会经济水平的提高和居民财富的增加直接推动了国内个人理财业务的发展。巨大的市场规模、影响力和丰富的投资渠道引起社会各方广。泛关注,一家商业银行如何在众多竞争者中脱颖而出,满足人民日益增长的理财需求已经是摆在国内商业银行面前的一个现实课题。本文在研究行为金融学理论尤其是“前景理论”和BHS模型的基础之上,分析了我国个人理财业务的历史和现状,并为后文提供了理论依据：通过对P银行124名客户的调查问卷进行因子分析、回归分析后,验证了本文提出的结合客户三个维度特征设计的个性化理财方案的有效性；通过一个具体客户的实例研究,对比了传统理财设计和个性化理财设计给客户带来的截然不同的“前景”,从而在实证的角度上再次验证了个性化理财设计的有效性,为某商业银行在该领域的竞争提供了行之有效的途径。本文的核心在于对P银行理财客户特征的三维度划分,打破了传统的只依据客户风险属性这一特征来划分客户：用生命周期理论、风险偏好理论和个性特征理论全新定位客户,并以此为依据设计了个性化的理财方案,这对商业银行搞好战略定位,在全球金融新形势下嵌入个性化元素,找准切入点和发展突破的渠道,实现快速持续发展,以及对提高国内商业银行个人理财业务的整体发展水平,都具有十分重要的现实意义和指导意义。
[Abstract]:In the 21st century, China has stepped into a period of rapid development. The improvement of social economic level and the increase of residents' wealth directly promote the development of domestic personal finance business. Huge market size, influence and rich investment channels cause a wide range of social parties. Universal concern, how a commercial bank stands out among many competitors to meet the growing financial needs of the people has been a real issue facing the domestic commercial banks. Based on the study of behavioral finance theory, especially "prospect theory" and BHS model, this paper analyzes the history and present situation of personal finance business in China. It also provides the theoretical basis for the following: through factor analysis and regression analysis of 124 clients of P Bank, the effectiveness of the individualized financial management scheme designed by combining the three dimensions of customer characteristics is verified. Through a case study of a specific customer, this paper compares the different "prospects" brought by the traditional financial management design and the individualized financial management design to the customer, thus validating the validity of the individualized financial management design again from the perspective of demonstration. It provides an effective way for a commercial bank to compete in this field. The core of this paper is to divide the customer characteristics of P Bank into three dimensions, which breaks the traditional characteristic of customer risk attribute: using life cycle theory, risk preference theory and personality characteristic theory to locate customers completely. Based on this, the individualized financial management scheme is designed, which makes commercial banks do a good job in strategic positioning, embed individualized elements in the new global financial situation, and find the right breakthrough point and breakthrough channels to achieve rapid and sustainable development. And to improve the overall development level of domestic commercial banks personal finance business, have very important practical significance and guiding significance.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2;F224

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