本文選題：前景理論 + BHS模型　； 參考：《大連理工大學(xué)》2012年碩士論文

【摘要】：21世紀(jì)的中國步入高速發(fā)展期,社會(huì)經(jīng)濟(jì)水平的提高和居民財(cái)富的增加直接推動(dòng)了國內(nèi)個(gè)人理財(cái)業(yè)務(wù)的發(fā)展。巨大的市場規(guī)模、影響力和豐富的投資渠道引起社會(huì)各方廣。泛關(guān)注,一家商業(yè)銀行如何在眾多競爭者中脫穎而出,滿足人民日益增長的理財(cái)需求已經(jīng)是擺在國內(nèi)商業(yè)銀行面前的一個(gè)現(xiàn)實(shí)課題。 本文在研究行為金融學(xué)理論尤其是“前景理論”和BHS模型的基礎(chǔ)之上,分析了我國個(gè)人理財(cái)業(yè)務(wù)的歷史和現(xiàn)狀,并為后文提供了理論依據(jù)：通過對P銀行124名客戶的調(diào)查問卷進(jìn)行因子分析、回歸分析后,驗(yàn)證了本文提出的結(jié)合客戶三個(gè)維度特征設(shè)計(jì)的個(gè)性化理財(cái)方案的有效性；通過一個(gè)具體客戶的實(shí)例研究,對比了傳統(tǒng)理財(cái)設(shè)計(jì)和個(gè)性化理財(cái)設(shè)計(jì)給客戶帶來的截然不同的“前景”,從而在實(shí)證的角度上再次驗(yàn)證了個(gè)性化理財(cái)設(shè)計(jì)的有效性,為某商業(yè)銀行在該領(lǐng)域的競爭提供了行之有效的途徑。 本文的核心在于對P銀行理財(cái)客戶特征的三維度劃分,打破了傳統(tǒng)的只依據(jù)客戶風(fēng)險(xiǎn)屬性這一特征來劃分客戶：用生命周期理論、風(fēng)險(xiǎn)偏好理論和個(gè)性特征理論全新定位客戶,并以此為依據(jù)設(shè)計(jì)了個(gè)性化的理財(cái)方案,這對商業(yè)銀行搞好戰(zhàn)略定位,在全球金融新形勢下嵌入個(gè)性化元素,找準(zhǔn)切入點(diǎn)和發(fā)展突破的渠道,實(shí)現(xiàn)快速持續(xù)發(fā)展,以及對提高國內(nèi)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的整體發(fā)展水平,都具有十分重要的現(xiàn)實(shí)意義和指導(dǎo)意義。
[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.
【學(xué)位授予單位】：大連理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.2;F224

【參考文獻(xiàn)】

相關(guān)期刊論文 前9條

1 葛兆強(qiáng);高宇輝;;我國商業(yè)銀行理財(cái)業(yè)務(wù)發(fā)展評析[J];銀行家;2005年11期

2 黃國平;;中國銀行理財(cái)業(yè)務(wù)發(fā)展模式和路徑選擇[J];財(cái)經(jīng)問題研究;2009年09期

3 魏敏;田蕾;;個(gè)人理財(cái)市場細(xì)分及客戶群差異性分析[J];金融論壇;2006年10期

4 孫飛,陳兵;美國個(gè)人理財(cái)業(yè)的發(fā)展及其啟示[J];金融管理與研究(杭州金融研修學(xué)院學(xué)報(bào));2005年11期

5 侯蘊(yùn)涵;;美國商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)發(fā)展對我國的啟示[J];黑龍江金融;2010年12期

6 王姣;;全民理財(cái)時(shí)代下中資商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的發(fā)展策略[J];金融經(jīng)濟(jì);2008年02期

7 陳敏;倪小林;;基于因子分析的全國各省市城市競爭力評估[J];企業(yè)導(dǎo)報(bào);2012年15期

8 周茂清;;我國個(gè)人理財(cái)模式的轉(zhuǎn)變及商業(yè)銀行的應(yīng)對之策[J];新金融;2007年12期

9 紀(jì)新帥;辛全才;向華琦;;基于SPSS的重力壩變形監(jiān)測資料多元逐步回歸分析[J];中國農(nóng)村水利水電;2012年07期

相關(guān)重要報(bào)紙文章 前1條

1 顧海萍;[N];上海證券報(bào);2006年

，

本文編號：1927794