投资组合在个人理财中的应用.pdf

投资组合在个人理财中的应用 重庆工商大学融智学院 证券投资 2007级 证券二班 王莎莎 指导教师 罗威 中文摘要：改革开放以来，我国经济的高速增长改善了人民生活，增加了个人财 富。于是，理财问题开始出现在个人和家庭里，理财规划引起了人们 的兴趣。人们希望通过投资组合，来减少风险获取更大的收益。然而， 面对日益复杂的市场坏境和理财工具，个人的专业知识往往难以应 付。因此，人们开始寻求专家的服务，但是由于我国个人理财业务发 展比较慢，相关的教育和培训滞后，导致专业人才有些不足。那么， 如何能够在现有的条件下引导更多的人科学理财呢？那就是把投资 学和行为金融学的相关理论应用到商业银行个人理财业务中，采用定 性与定量模型相结合的方法，提出具体的投资组合策略模型，实现客 户投资收益最大化。 摘要写得不好，需要重写。不需要空格。 关键词：投资组合；个人理财业务；模型；收益 Abstract: Since the reform and opening up, China's rapid economic growth have improved the people's living standard, increased personal wealth. Hence, financial problems began to appear in individuals and families, financial planning aroused people's interest. People hope that through investment combination, to reduce risk to a bigger profit. However, faced with increasingly complex market bad border and financial tools, personal professional knowledge is often difficult to deal with. Therefore, people began to seek expert services, but because China's individual financing business development more slow, related education and training lags behind, resulting in some deficiencies professionals. So, how can the current conditions lead more people scientific financial management? That is the investment learns and behavioral finance related theory applied to commercial Banks' personal financial management services, with the qualitative and quantitative model by the method of combining, put forward specific investment portfolio strategy model, realize customer maximum investment profit. Key Words: Portfolio; The personal financial management business, Model. earnings