analysis of complex financial products design methodologies_0（分析复杂的金融产品设计methodologies_0）.docVIP

Analysis of complex financial products design methodologies [Abstract] This paper presents the complexity of financial products to the concept of non-physical products, a brief description of complex financial products involved in the design process and simulation technology. [Keywords] complex financial product design simulation technology First, the definition of complex non-physical products According to the father of modern marketing - Philip Kotler (Philip Kotler) point of view, any product on the market can make people pay attention, acquisition, use, or be able to meet consumer needs and desires of certain things. It includes a material form of the product entity, but also include non-material forms of interest. modern marketing theory, the product can be divided into tangible products (physical products) and intangible products (non-physical products) categories. The complexity of modern products with customer needs, product composition is complex, sophisticated product technology, manufacturing process complexity, project management of complex features, can be described as complex products. Modern financial services such as insurance, securities and banking products and other related businesses generally have a complex composition, function and behavior of complex features a complex, but the form of a service contract rather than physical form, can be defined as a complex non-physical products. The ultimate goal is to design customer-facing selective market demand, the demand will be based on market segmentation concepts into high quality or low-risk products, satisfy customers constantly changing needs. Complex physical product design requirements to meet the functional requirements in the product is based on the requirements in the shortest time to market, the best quality, lowest cost, best service, product innovation and best environmental protection. Financial services products are non-physical products, the mos