本文選題：理財理論 + 個人理財　； 參考：《首都經(jīng)濟貿(mào)易大學(xué)》2014年碩士論文

【摘要】：近年來，隨著中國經(jīng)濟的快速發(fā)展、人民收入水平的提高，逐漸積累了大量民間財富，同時催生出一批擁有大量資產(chǎn)的高端人士。國內(nèi)個人理財需求，尤其是高端人士理財需求日益旺盛。在此背景下，個人理財理論被引入中國，以銀行為首的各類金融機構(gòu)也開始大力發(fā)展個人理財業(yè)務(wù)，陸續(xù)成立了高端客戶服務(wù)部門，，并培養(yǎng)出大量個人理財人員。但目前我國個人理財市場正處于起步發(fā)展階段，政策有待完善、機構(gòu)逐利競爭，加之理財人員和客戶的理財理念均不成熟，市場上以產(chǎn)品為主導(dǎo)、以收益為目標的“推銷”傾向較為嚴重。個人理財理論得不到充分地應(yīng)用，成為了理財人員招攬客戶的“噱頭”。 本文采取了理論研究和實證分析相結(jié)合的研究方法，通過對高端人群特征的研究，分析客戶對理財理論的需求，并以商業(yè)銀行私人銀行業(yè)務(wù)為基礎(chǔ)，研究理財理論在高端客戶理財服務(wù)中的應(yīng)用及其發(fā)揮的重要作用。本文在分析高端客戶資產(chǎn)情況和理財目標的基礎(chǔ)上，引用了人財務(wù)報表，并針對高端客戶特征進行了優(yōu)化。同時結(jié)合投資規(guī)劃和生命周期理論，為客戶提出資產(chǎn)配置的優(yōu)化建議。最后結(jié)合財務(wù)預(yù)算理論和目標實現(xiàn)函數(shù)，對客戶能否實現(xiàn)理財目標進行預(yù)算，并對優(yōu)化前后的資產(chǎn)配置，對理財目標的滿足程度進行比較，體現(xiàn)理財理論的應(yīng)用效果。筆者希望本文能夠?qū)碡斃碚撛趥�人理財及高端理財業(yè)務(wù)中的推廣應(yīng)用，起到拋磚引玉的作用。
[Abstract]:In recent years, with the rapid development of China's economy and the improvement of people's income, a large number of private wealth has been accumulated, and a number of high-end people with a large number of assets have been spawned at the same time. Domestic personal financial needs, especially high-end financial needs are increasingly strong. In this context, personal finance theory was introduced into China, various financial institutions, led by banks, began to vigorously develop personal finance business, established high-end customer service departments one after another, and trained a large number of personal financial personnel. But at present, the personal finance market in our country is in the initial stage of development, the policy needs to be improved, the organization is competing for profit, and the financial management concept of financial personnel and customers is not mature, so the market is dominated by products. Profit-oriented sales tend to be more serious. Personal finance theory can not be fully applied, has become the wealth management personnel to attract customers "gimmick." This paper adopts the research method of combining theoretical research and empirical analysis, through the study of the characteristics of high-end people, analyzes the customer's demand for financial management theory, and based on the private banking business of commercial banks. This paper studies the application of financial management theory in high-end customer financial services and its important role. Based on the analysis of assets and financial objectives of high-end customers, this paper cites financial statements and optimizes the characteristics of high-end customers. At the same time, combined with investment planning and life cycle theory, the optimization of asset allocation for customers is proposed. Finally, combining the financial budget theory and the goal realization function, we budget whether the client can achieve the financial management goal, and compare the asset allocation before and after the optimization, the degree of financial management goal satisfaction, and reflect the application effect of the financial management theory. The author hopes that this paper can play a role in the promotion and application of financial management theory in personal finance and high-end financial business.
【學(xué)位授予單位】：首都經(jīng)濟貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.2

【引證文獻】

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1 李馥;建行山西分行私人銀行業(yè)務(wù)發(fā)展現(xiàn)狀及對策研究[D];太原理工大學(xué);2016年

2 巴特爾;基于NodeJS的理財應(yīng)用的設(shè)計與實現(xiàn)[D];吉林大學(xué);2014年

本文編號：1952498