基于多元统计对客户的投资偏好分析.docVIP

天津城市建设学院 本科毕业论文 基于多元统计对客户的投资偏好分析 Based on multivariate statistical analysis to the client of the investment preferences 学生姓名： 李杕普 学生学号：专业名称： 信息管理与信息系统 指导教师： 陈君艳 经济与管理学院 2012 摘 要 决定投资成败最重要的因素在于投资的适应性和创新性，由于投资品种的多样性自然就决定了每个投资者都会有自己的一种投资策略然后在实践中不断的去纠正和总结自己的投资经验。尽管不同的人存在不同的风险态度和风险偏好，作为一个整体，人们的投资偏好还会有一些共性，并且决定了在风险决策中投资者存在某种行为共性，而这些共性决定往往导致决策偏差。本文通过介绍国内各个阶层的居民现有收入状况，结合目前市场上的金融产品主要投资特点，重点对不同家庭情况，不同的投资偏好，不同的收入水平以及不同金融产品的生命周期的投资策略分析。 关键词：生命周期；风险偏好；投资策略；收入水平；家庭状况 ABSTRACT Decided to invest the most important factor in the success or failure of the investment and innovation of adaptability, because investment variety of natural diversity to each investor will have their own an investment strategy and then practice continuously in to correct and sum up your investment experience. Although different people have different attitudes and risk preference, as a whole, the peoples investment preferences will still have some common, and decide the risk decision of existing investors in some common behavior, and the common decided to often leads to decision deviation. The article introduces the domestic all sectors of existing residents income, combination of financial products on the market at present main investment features, mainly of different family situation, different investment preferences, different income levels and different financial product life cycle analysis of the investment strategy. Key Words：Life cycle；Risk preference；Investment strategy；Income level；Family status 目 录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc327418786 第 一 章 绪 论 PAGEREF _Toc327418786 \h 1 HYPERLINK \l _Toc327418787 1.1研究背景及其社会意义 PAGEREF _Toc327418787 \h 1 HYPERLINK \l _Toc327418788 1.2工薪阶层的经济特点分析 PAGEREF _Toc327418788 \h 1 HYPERLINK \l _Toc327418789 1.2.1收入来源相对单一 PAGEREF _Toc327418789 \h 1 HYPERLINK \l _Toc327418790 1.2.2投资理念相对趋同 PAGEREF _Toc327418790 \h 2 HYPERLINK \l _Toc327418791 1.2.3消费方式的多元化 PAGEREF _Toc327418791 \h 2 HYPERLINK \l _Toc327418792 1.2.4家庭整体承受风险能力相对有