本文選題：銀行個人理財業(yè)務 + 分散投資�。� 參考：《西南交通大學》2017年碩士論文

【摘要】：本世紀初,中國大陸的富有人群迅速擴大,擁有大量閑散資金的人也逐步增多。隨著銀行、券商、保險公司等金融機構(gòu)的號召和營銷,個人理財規(guī)劃逐漸進入人們的生活,尤其是遍地開花的銀行個人理財產(chǎn)品更是被廣大投資者所接受、喜愛。銀行理財投資成為現(xiàn)今國內(nèi)普通家庭/個人客戶的金融投資組合中最常見也是比重最大的一部分,因為對普通大眾而言,投資各大銀行發(fā)行或代理的理財產(chǎn)品,是最為直接便利的理財方式。因此,鑒于銀行個人理財業(yè)務在家庭/個人理財投資過程中的普遍性和重要性,本文將會著重探討研究大陸境內(nèi)的銀行個人理財業(yè)務。本論文在梳理個人理財規(guī)劃的概念的過程中,強調(diào)了分散投資的重要性,并指出銀行個人理財投資在金融投資組合中的占比和重要性,介紹了銀行個人理財業(yè)務的定義和相關(guān)理論,進一步比較了其與另一大熱門投資渠道——房地產(chǎn)投資的各主要方面;但由于我國的商業(yè)銀行個人理財業(yè)務才逐漸起步,其業(yè)務范圍十分局限,且存在眾多問題,本論文對此也進行了詳細的分析,并針對這些問題及其成因,給出了相應的對策建議。本論文探討的問題,提出的對策和得到的相關(guān)結(jié)論,是在充分的理論分析和嚴謹?shù)膶嵺`調(diào)研基礎上精煉而出的,對相關(guān)機構(gòu)和廣大投資者具有一定的借鑒作用和可操作性。
[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.
【學位授予單位】：西南交通大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2

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本文編號：1736149