国美金融个人理财业务研究.docVIP

黑龙江科技大学经济学院 本科毕业论文 论 文 题 目 国美金融个人理财业务研究 学 生 姓 名 班 级 金融12-2班 专 业 金融学 研 究 方 向 个人理财 指 导 教 师 2016年 6月 6日 摘 要 个人理财业务，又称财富管理业务，是指金融理财机构根据对个人客户进行资产分析，结合客户的风险偏好程度，为客户量身打造专业化的金融服务活动。目前国际成熟的金融服务是指：金融机构利用专业化金融知识，对客户进行财务状况分析，通过风险偏好测试了解客户的收益需求，为客户总结制定理财规划，为客户选择最适合的金融产品提供帮助的一系列服务过程。本文以国内大型知名集团国美控股研发的“国美金融”为主要研究对象，结合国内外个人理财业务的发展旅程及经验总结，以理财业务的三大理论基础及非金融企业跨足金融界的困难因素为线索展开分析，从而为国美金融能在金融界个人理财业务领域有自己的一席之地试探性找寻对策。希望对现今时期我国个人理财业务机构在发展中存在的一些共性问题的解决具有一定的借鉴作用。 【关键词】 国美金融 个人理财 风险 Abstract Personal Financial Services, also known as the wealth management business, is a financial institution based on an analysis of financial assets of individual customers, combined with risk appetite of customers, tailored to customers specialized financial service activities. Mature current international financial services means: the use of specialized financial institutions, financial knowledge, customer analysis of the financial situation, understanding of customer needs through earnings risk preference test, for customers to develop summary financial planning for our customers to choose the most suitable financial products the range of services to help the process. In this paper, the domestic well-known large-scale R D Holdings Group United States United States financial as the main object of study, to combine personal finance business development journey and lessons learned, the theoretical basis of three major financial and non-financial corporate business branched out into financial difficulties in the factor analysis might provide some clues, so as to be able to finance the United States in the field of finance personal financial services have their own place to find tentative countermeasure. I hope some of the common problems of personal financial services institutions now exist in the developing solution during a certain reference. Keywords Gome Finance Personal Finance Risk 目 录 摘 要 I Abstract II 第1章 绪 论 1 1.1 选题背景 1 1.2 选题目的及意义 2 1.2.1 研究目的 2 1.2.2 研究意义 3 1.3 国内外研究现状 4