银行个人理财产品的探讨

发布时间：2018-04-11 13:11

本文选题：银行个人理财业务 + 分散投资　；参考：《西南交通大学》2017年硕士论文

【摘要】：本世纪初,中国大陆的富有人群迅速扩大,拥有大量闲散资金的人也逐步增多。随着银行、券商、保险公司等金融机构的号召和营销,个人理财规划逐渐进入人们的生活,尤其是遍地开花的银行个人理财产品更是被广大投资者所接受、喜爱。银行理财投资成为现今国内普通家庭/个人客户的金融投资组合中最常见也是比重最大的一部分,因为对普通大众而言,投资各大银行发行或代理的理财产品,是最为直接便利的理财方式。因此,鉴于银行个人理财业务在家庭/个人理财投资过程中的普遍性和重要性,本文将会着重探讨研究大陆境内的银行个人理财业务。本论文在梳理个人理财规划的概念的过程中,强调了分散投资的重要性,并指出银行个人理财投资在金融投资组合中的占比和重要性,介绍了银行个人理财业务的定义和相关理论,进一步比较了其与另一大热门投资渠道——房地产投资的各主要方面;但由于我国的商业银行个人理财业务才逐渐起步,其业务范围十分局限,且存在众多问题,本论文对此也进行了详细的分析,并针对这些问题及其成因,给出了相应的对策建议。本论文探讨的问题,提出的对策和得到的相关结论,是在充分的理论分析和严谨的实践调研基础上精炼而出的,对相关机构和广大投资者具有一定的借鉴作用和可操作性。
[Abstract]:At the beginning of this century, the rich in mainland China expanded rapidly, and the number of people with a lot of idle money increased.With the call and marketing of banks, securities companies, insurance companies and other financial institutions, personal financial planning has gradually entered people's lives, especially the ubiquitous personal financial products of banks are accepted and loved by the majority of investors.Banking financial investment has become the most common and most important part of the financial portfolio of ordinary family / individual customers in China today, because for the general public, they invest in financial products issued or represented by major banks.Is the most direct and convenient way to manage money.Therefore, in view of the universality and importance of bank personal finance business in the process of family / personal finance investment, this paper will focus on the study of bank personal finance business in mainland China.In the process of combing the concept of personal financial planning, this paper emphasizes the importance of diversification, and points out the proportion and importance of individual financial investment in financial portfolio.This paper introduces the definition and related theory of bank personal finance business, and further compares it with other popular investment channel-real estate investment, but the personal finance business of commercial bank in our country starts gradually.The scope of its business is very limited, and there are many problems, this paper also makes a detailed analysis of these problems and their causes, and gives the corresponding countermeasures and suggestions.The problems, countermeasures and conclusions obtained in this paper are refined on the basis of full theoretical analysis and rigorous practical investigation, which can be used for reference and operable for relevant institutions and investors.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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