基于生命周期的新盟公司个人理财产品创新研究-工商管理专业论文.docxVIP

西北工业大学MBA论文摘要 西北工业大学MBA论文 摘要 本论文通过运用生命周期理论和投资组合理论，为新盟公司创新设计个入理 财金融产品。 随着我国个人理财市场需求的快速增长，国内外金融机构相继推出各种个人 理财产品，我国个人理财业务也从传统的以产品为中心的大众化服务向以客户为 中心的个性化服务转变。通过研究个人理财需求特点，设计出适合个性化需求的 个人理财产品，提供满足市场综合理财需求的服务是开展个人理财业务的关键。 如何正确把握客户的投资需求，将众多有效的投资品种科学合理地加载在个体金 融产品上，使其成为集成式产品投资组合来满足个性化投资需求是一个现实的研 究课题。基于此，本篇论文采用理论与实践相结合的方法，从投资组合理论和目 前各种投资品种风险收益特征的研究出发，结合新盟公司的发展现状和所处市 场环境的特点，根据生命周期理论研究和把握新盟公司目标客户群体不同年龄阶 段投资需求特点和风险承受能力，通过金融创新设计出相应的金融产品投资组 合，利用不同投资组合来满足家庭形成期、家庭成长期、家庭成熟期客户等不同 年龄段目标客户群体的投资需求，并对投资组合进行风险评估，选择最佳投资方 案，较好地实现产品价值与客户价值的最大化和有机统一． 本文运用生命周期理论对投资者个人理财需求进行研究，结合新盟公司特点 并运用投资组合理论对个人理财金融产品创新设计做了进一步剖析，希望能对我 国个人理财产品创新方面具有借鉴意义。 [关键词]：个人理财 金融产品创新生命周期投资组合 西北工业大学MBA论文佃STRACT 西北工业大学MBA论文 佃STRACT The paper is an application of life cycle theory and investment portfolio theory in product designing of personal financing． With the fast growth demand of personal financing in our country，the domestic and foreign financial companies promote kinds of personal financing product．In our country personal financial management serve from taking product in tradition to taking the customer as central popularity．Through researching the demand character of personal financing，it is the key to design personal financing product with suiting of personalities and provide service to sarisfy synthesis financing．It is a realistic researching topic to how to assure custom demand and put multitudinous investment variety to reasonably load on integrated individual financing product to meet the personalized investment demand． Based on this。the paper USeS unifying method with theory and practice， from researching investment portfolio theory and each kind of investment variety of risk and income characteristic，unifying the character of XinMeng company development and market circumstance，according to the life cycle to research and grasp goal customer comranity disparity in different age stages of investment demand characteristic and risk bearing capacity，designing．the corresponding financing portfolio product through fina