A银行大连分行个人投资理财策略研究
发布时间：2018-07-24 18:44
【摘要】：随着国民收入的增加,投资理财这种保值增值的方式已逐渐受到广大中国民众的接受与关注,中国国民以一种越来越理性的态势加入到投资理财的行列中。随着金融全球化和中国加入WTO,跨国金融活动日益紧密,为了得到获得利润的制高点,各商业银行已经意识到顺应客户的需求,适应全国化趋势的重要性,个人理财业务顺势而生。因此为客户提供全方位的个人理财计划,具有现实意义。 论文共分为五个部分： 首先,第一章为绪论。分析了论文选题背景和研究意义,并综述商业银行个人投资理财研究的国内外现状。第二章,A银行大连分行个人理财产品特点及投资者分类。着重分析A银行大连分行个人理财产品特点,将理财产品分为稳健性型和增值型投资产品两类,对投资者依照投资目的和生命周期进行分类。第三章,进行个人客户投资组合模型的构建。在相关理论研究及对历史数据的分析基础上,从客户所处的生命周期、收入-消费的客观情况、历史投资经验与对风险的偏好等方面,运用问卷调查的方式,综合制定出不同类型客户的最优投资组合比例。第四章,分析A银行大连分行个人理财投资策略的选择与应用。在第三章基础上,结合经典的收益-风险、无差异曲线、最优投资组合等相关理论,制定出适合于A银行大连分行不同类型客户的投资组合模式,以及处于不同生命周期客户的理财规划；同时,充分考虑不同客户的风险承受能力对预期收益的影响,结合案例分析处在不同生命周期的客户经济投资规划；结合客户的个人投资规划,制定出适合不同客户的投资策略方案。最后,相关政策建议。结合目前A银行大连分行理财业务中存在的问题,给出相应的政策建议,为A银行大连分行更好发展个人理财业务提供一定借鉴意义。
[Abstract]:With the increase of national income, the way of maintaining and increasing the value of investment and financial management has been accepted and paid more and more attention by the masses of Chinese people, and Chinese people have joined the ranks of investment and financial management with a more and more rational situation. With the globalization of finance and China's entry into WTO, transnational financial activities are getting closer and closer. In order to obtain the commanding point of profit, commercial banks have realized the importance of adapting to the needs of customers and the trend of nationalization. Personal finance business is coming into being. Therefore, it is of practical significance to provide clients with a comprehensive personal finance plan. The thesis is divided into five parts: first, the first chapter is the introduction. This paper analyzes the background and significance of the thesis, and summarizes the domestic and international situation of personal investment and finance research in commercial banks. Chapter two: characteristics of personal Financial products and Investor Classification in Dalian Branch of Bank A. This paper analyzes the characteristics of personal financial products in Dalian Branch of Bank A, classifies them into two types: robust and value-added investment products, and classifies investors according to their investment purpose and life cycle. The third chapter, carries on the personal customer portfolio model construction. Based on the relevant theoretical research and the analysis of historical data, this paper applies the questionnaire from the life cycle of the customer, the objective situation of income and consumption, the historical investment experience and the risk preference, etc. The optimal portfolio ratio of different types of clients is formulated. Chapter four analyzes the choice and application of personal finance investment strategy of Bank A Dalian Branch. On the basis of the third chapter, combining with the classical theories of income and risk, no difference curve, optimal portfolio and so on, the investment portfolio model suitable for different types of customers of Bank A Dalian Branch is established. At the same time, considering the influence of the risk bearing ability of different customers on the expected income, and combining with the case analysis of the customer economic investment planning in different life cycle. Combine the individual investment plan of the customer, make out the investment strategy plan suitable for different customer. Finally, the relevant policy recommendations. Combined with the problems existing in the financial management business of Dalian Branch of Bank A at present, the corresponding policy suggestions are put forward, which can be used for reference by Dalian Branch of Bank A for better development of personal finance business.
【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
[Abstract]:With the increase of national income, the way of maintaining and increasing the value of investment and financial management has been accepted and paid more and more attention by the masses of Chinese people, and Chinese people have joined the ranks of investment and financial management with a more and more rational situation. With the globalization of finance and China's entry into WTO, transnational financial activities are getting closer and closer. In order to obtain the commanding point of profit, commercial banks have realized the importance of adapting to the needs of customers and the trend of nationalization. Personal finance business is coming into being. Therefore, it is of practical significance to provide clients with a comprehensive personal finance plan. The thesis is divided into five parts: first, the first chapter is the introduction. This paper analyzes the background and significance of the thesis, and summarizes the domestic and international situation of personal investment and finance research in commercial banks. Chapter two: characteristics of personal Financial products and Investor Classification in Dalian Branch of Bank A. This paper analyzes the characteristics of personal financial products in Dalian Branch of Bank A, classifies them into two types: robust and value-added investment products, and classifies investors according to their investment purpose and life cycle. The third chapter, carries on the personal customer portfolio model construction. Based on the relevant theoretical research and the analysis of historical data, this paper applies the questionnaire from the life cycle of the customer, the objective situation of income and consumption, the historical investment experience and the risk preference, etc. The optimal portfolio ratio of different types of clients is formulated. Chapter four analyzes the choice and application of personal finance investment strategy of Bank A Dalian Branch. On the basis of the third chapter, combining with the classical theories of income and risk, no difference curve, optimal portfolio and so on, the investment portfolio model suitable for different types of customers of Bank A Dalian Branch is established. At the same time, considering the influence of the risk bearing ability of different customers on the expected income, and combining with the case analysis of the customer economic investment planning in different life cycle. Combine the individual investment plan of the customer, make out the investment strategy plan suitable for different customer. Finally, the relevant policy recommendations. Combined with the problems existing in the financial management business of Dalian Branch of Bank A at present, the corresponding policy suggestions are put forward, which can be used for reference by Dalian Branch of Bank A for better development of personal finance business.
【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
【参考文献】
相关期刊论文 前4条
1 黄志杰;;理财发展史一瞥[J];大众理财顾问;2006年04期
2 赵f，
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