离退休人员理财方案设计研究

发布时间：2018-01-11 21:10

本文关键词：离退休人员理财方案设计研究　出处：《华侨大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来离退休人员的理财问题日渐突出,根据融360统计的2015年“e租宝”受害人群分析,90%的投资者是老年人投资者,其中大部分是离退休人员,并且投资者对“e租宝”这类理财产品的风险知识一无所知,最后都损失惨重。诸如此类的事件还有很多,这也就说明我国离退休人员在理财的过程中还不会选择合适的理财工具和理财策略,所以针对离退休人员理财出现的问题还需要进一步研究。为此本文首先将设计一个理财流程来帮助离退休人员进行理财,此流程先分析个人信息留足保障离退休人员基本生活的资金,然后将富余的资金进行理财规划。理财规划部分先帮助离退休人员选择合适的理财工具,再运用MATLAB软件分析得到风险资产组合有效前沿。每一个离退休人员的理财目标和风险承受能力是不同的,根据这些区别改变无风险资产和风险资产组合的配置比例,得到适合离退休人员的理财方案。其次本文对典型案例进行分析,参照上述的理财流程,分析每一个案例理财人员的基本信息,留足保障资金,在此基础上将剩余资产按每一个人的目标或风险承受能力投资于理财工具。理论上本文设计出的理财流程是适合离退休人员、金融机构和政府部门的,对于离退休人员而言他们可以利用该理财流程结合自己实际情况进行投资;对于金融机构来说可以作为参考改进自己的理财产品,也可以据此改进自己的理财咨询服务;对于政府而言也可以参照本文的理财流程,针对每一个步骤进行监管,完善理财市场法律法规,深化金融体制改革,为离退休人员理财提供一个更宽松的环境。
[Abstract]:In recent years, the financial problems of retirees have become increasingly prominent, according to statistics in 2015 360 financial "e rent treasure victims analysis, 90% of investors are elderly investors, most of them are retirees, and investors to" e rent treasure this kind of financial products absolutely ignorant of knowledge of the risk have suffered heavy losses. And finally, many of the events and so on, which means Chinese retirees will not select the appropriate financial tools and financial strategies in the financial management process, so for the retired financial problems still need further research. This paper will first design a management process to help retirees to finance this process the first analysis of personal information for guaranteeing the basic livelihood of retired personnel funds, then the surplus funds of financial planning. Financial planning part to help retired personnel selection Select the appropriate financial tools, and then get the risk analysis of portfolio efficient frontier with MATLAB software. Every retired personnel financial goals and risk tolerance is different, according to these differences change the risk-free asset and portfolio risk allocation ratio, are suitable for retirees from financial solutions. Secondly this paper analyzes the typical case, with reference to the financial management process, analysis of the basic information of each case of financial personnel, to provide security funds, on the basis of the remaining assets of each individual goals and risk tolerance of investment in financial instruments. In this paper, a design theory of the financial management process is suitable for retired personnel, financial institutions and government departments the retired personnel, for they can combine their own actual situation of investment by the financial process; for financial institutions can be used as reference To improve their financial products, may also be improved their financial advisory services; for the government can also refer to the financial supervision process, for each step, improve financial market laws and regulations, deepening the reform of the financial system, financial management for retirees to provide a more relaxed environment.

【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.2;F126.1

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