发展个人理财业务策略研究
时间:2025-07-13
时间:2025-07-13
个人理财
上海交通大学 硕士学位论文 发展个人理财业务策略研究 姓名:沈洁 申请学位级别:硕士 专业:国际贸易学 指导教师:宫焕久 20060116
个人理财
上海交通大学硕士学位论文发展个人理财业务策略研究发展个人理财业务策略研究 摘 要近年来,随着我国市场经济的快速发展,人们可以自由支配的资 金在不断增加,个人投资理财的理念和意识也在不断增强。与此同 时,随着我国经济国际化形势的发展,国际上一些先进的理财思想和 方法不断地影响和改变着我国的理财市场, 传统的理财观念和方法正 在受到冲击,新的理财体制和产品将不断呈现在人们面前。这种局面 在客观上将促进我国个人理财市场向着成熟的方向发展, 而个人理财 市场的发展也会推动金融市场的进一步发展。目前,国内投资、证券 和保险等市场的发展还很不完善,个人理财业务的发展还刚刚起步, 国内个人理财业务要做到与国际市场接轨还需尚待时日。 本文首先从个人理财的涵义和分类入手, 阐述了个人理财是评估 客户个人投资需求、帮助客户选择理财产品和制订理财方案、促进客 户资金保值与增值和评价金融市场完善程度的一种综合性的金融服 务业务;然后,本文从宏观的角度探讨了国内金融机构个人理财业务 的发展现状及其与金融市场、国民经济发展的关系;文章的第三部分 从微观的角度分析了金融体系、 理财产品和需求方市场三个方面的发 展现状;本文的第四部分探讨了个人理财业务发展中的不利因素,其 中包括金融体制、理财产品、信用体系以及专业人才等方面存在的一 系列问题。本文在第五部分引用了马科维茨(Markowitz)资产组合 理论对我国个人理财业务的发展基础、方法等进行了分析与探讨。最I
个人理财
上海交通大学硕士学位论文发展个人理财业务策略研究后,第六部分,本文紧密结合我国个人理财市场的发展实践,提出了 金融机构发展个人理财业务的策略建议。 本文主要以国内金融机构、 金融市场以及经济市场化和国际化发 展为背景, 采用了定性分析与构建模型相结合的方法分析和研究金融 机构个人理财业务的发展情况, 旨在为国内金融机构开展个人理财业 务提供有力的理论依据和富有现实意义的策略建议。关键词:个人理财,资产组合理论,发展策略II
个人理财
上海交通大学硕士学位论文发展个人理财业务策略研究RESEARCH ON DEVELOPMENT OF PERSONAL FINANCING SERVICEABSTRACTWith the rapid development of Marketing Economics in the past few years, the disposable income of the Chinese residents grows fast and the consciousness of personal financing is also strengthened among Chinese. Meanwhile, with the change situation of globalization of economy, the advanced financing ideas and methods of developed countries frequently influence and change our domestic financial market, new mechanism and products of personal financing appear constantly, which all greatly impact the traditional concept and way of personal financing. This situation objectively promotes the mature development of domestic personal financing market, while the development of domestic personal financing market also drives the further expansion of financial market. At present, the domestic investment, security and insurance market are not in perfect condition, and personal financing service just begin, we need time to keep up with the international financial market. Started with the concept and classification of personal financing, this dissertation made clear that personal financing operation is one of the comprehensive financial services for evaluating the clients’ needs forIII
个人理财
上海交通大学硕士学位论文发展个人理财业务策略研究investment, making the financing plan for the capital maintenance and appreciation. And then it discussed the relationship between the personal financing operation and financial market and economics in the view of the macroeconomics. The third part analyzed the three parts consisting financial institutions, financing products and demanding side. With the above analysis, the dissertation probed into the disadvantages of the personal financing development. Then it referred to the Markowitz portfolio theory to analyze the method of our domestic personal financing operation. With all the discussions, this dissertation brought forward the strategy for the development of the personal financing service of the financial institutions. In the background of domestic finance and economics, this dissertation analyzed and studied the personal financing service of financial institutions using qualitative analysis and modeling, in order to provide powerful theoretical basis and practical strategy for expanding the personal financing service of the domestic financial institutions.KEY WORDS: personal financing, portfolio theory, development strategy.IV
个人理财
上海交通大学 学位论文原创性声明本人郑重声明:所呈交的学位论文,是本人在导师的指导下, 独立进行研究工作所取得的成果。除文中已经注明引用的内容外,本 论文不包含任何其他个人或集体已经发表或撰写过的作品成果。 对本 文的研究做出重要贡献的个人和集体,均已在文中以明确方式标明。 本人完全意识到本声明的法律结果由本人承担。学位论文作者签名:沈 洁日期:2006 年 1 月 16 日
个人理财
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