發(fā)布時間：2018-05-24 05:07

  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,社會經(jīng)濟(jì)水平的提高和居民財富的增加直接推動了國內(nèi)個人理財業(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需求已經(jīng)是擺在國內(nèi)商業(yè)銀行面前的一個現(xiàn)實課題。 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,分析了我國個人理財業(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,驗證了本文提出的結(jié)合客戶三個維度特征設(shè)計的個性化理財方案的有效性；通過一個具體客戶的實例研究,對比了傳統(tǒng)理財設(shè)計和個性化理財設(shè)計給客戶帶來的截然不同的“前景”,從而在實證的角度上再次驗證了個性化理財設(shè)計的有效性,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)險屬性這一特征來劃分客戶：用生命周期理論、風(fēng)險偏好理論和個性特征理論全新定位客戶,并以此為依據(jù)設(shè)計了個性化的理財方案,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性化元素,找準(zhǔn)切入點和發(fā)展突破的渠道,實現(xiàn)快速持續(xù)發(fā)展,以及對提高國內(nèi)商業(yè)銀行個人理財業(yè)務(wù)的整體發(fā)展水平,都具有十分重要的現(xiàn)實意義和指導(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

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