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MBA论文_基于家庭生命周期的AJ公司家庭理财产品优化设计研究DOC

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更新时间:2018/5/23(发布于北京)

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文本描述
摘要
随着经济的不断发展,我国居民家庭财富在快速增长,人民生活水平在逐渐
提高。但楚由于现代经济生活压力的加大,人们对于未来生活的不确定性问题越
来越担忧,光靠个人家庭的工作收入和单一的银行存款理财方式远远不能满足人
们未来的生活A标,从而迫使每个家庭必须关注自身家庭财富的保值增值,对家
庭理财的需求越来越旺盛。因此,近年来越来越多的个人和机构投身于家庭理财
.
的服务a中我国理财市场h的各类家庭理财服务公司与家庭理财产品也越来越
多,但是产品同质化严重和缺乏创新的问题口趋h显,远远不能够满足投资者的
需求。在此背景下,家庭理财产品的优化设计就成为各家庭理财服务机构研究的
主要问题

作为家庭理财服务公司先行者的AJ家庭理财公司,自2011年成立到现在一
直服务在家庭理财行业,是国内众多家庭理财服务公司的典型代灰。AJ公司在
过去6年的发展过程中不断总结与改进,成功塑造了以产品为主,专业技术服务
为辅的品牌价值,并形成公司强有力的核心竞争武器,间接推动了国内大部分家
I
庭理财服务公司的战略发展方丨4。但是,AJ公司也暴露出自身理财产品设计存
在的问题。主要包括.一是产品投资n槛高、期限长;二是产品种类少;三是产
品设计针对性弱。究其原因,主要有以下几方面:一足缺乏深入的市场供求研究;
二是产品研发能力不足;是公司体制保守,不适应宏观环境变化

欧美发达国家金融市场的发展比较成熟,在家庭投资者理财观念的普及和理
财产品设计等方面都有着丰富的经验。在家庭理财产品设计方面有个非常成功和
可行的方法值得我们学』,那就是基于个人及家庭生命周期规律进行产品设计与
资产配置,这是家庭理财产品优化设计的基础和核心

立足于AJ公司家庭理财产品设计方面存在的问题,在借鉴和学习发达国家
在家庭理财产品优化设计经验的基础上,AJ公司基丁生命周期理论可从以下几
个方面对家庭理财产品进行优化设计:一是在产品优化设计忠路方面要适应时代
发展,降低产品投资门槛与期限和加强研发,丰富产品投资品种;二是基于生命
周期理论针对四种不同类型的家庭分别设计出四种不同的产品,实施差异化战略

比如,针对家庭生命周期处于衰老期的老年型家庭,由于夫妻双方均己退休家庭
收入迅速减少、随着年龄增长支出逐渐增加、家庭资产逐渐减少等特征。因此该
类型家庭的理财目标主要以家庭资产的保全与传承为主,提前为未来资产的传承
做准备,风险承受能力很弱,适合于保守型的理财方式。依据此类型家庭特征
AJ公司应该加强研发与设计一些低风险、保本型家庭理财产品,比如货币市场
基金、国债、银行定期存款、保木型理财产品等满足该类型家庭投资者需求:
I 我国家庭理财市场虽然经历了这么多年的不断发展,但是相对国外发达资本
国家来讲还是不够成熟,存在许多有待解决的问题。家庭理财产品的优化设计是
其中的一部分,但也是最主要的部分。相信有关家庭理财产品的设计在未来家庭
理财市场的发展过程中不论是在理论研究或实践活动中都将取得重大性突破和
进展。AJ公司应以此为目标,不断改善AJ公司家庭理财产品设计存在的问题,
整合公司自身资源,提升公司竞争力,为客户资产创造更多收益,实现公司长远
发展的H标

关键字:家庭理财;优化设计;家庭生命周期
II Abstract
With the continuous development of economy, the wealth of the
residents in our country is increasing rapidly, and people’s living
standard is improving gradually. But due to the increase in the modern
economic life pressure, people for the future and the uncertainty of life
problems more worried, rely on personal family income and single bank
deposit financing can not meet the people*s life in the future, forcing
each family must pay attention to their own family and increasing the value
of wealth, the demand of family financial management and the more
exuberant. Therefore, in recent years, more and more individuals and
institutions engaged in family financial services, China’s financial
market on the various types of family financial services company and
family financial products are more and more, but the homogeneity of
products and lack of innovation problem increasingly prominent, far can
not meet the needs of investors. In this context, the optimization design
of family financial products has become the main problem of the family
financial services institutions.
As a pioneer of family financial services company AJ family financial
management company, since its inception in 2011 has been serving the
family financial industry, is a typical representative of many domestic
financial services companies. AJ in the course of development in the past
6 years, constantly sum up and improvement, successfully created a product
based, supplemented by professional and technical services of the brand
value, and the formation of the company strong core competitive weapon,
indirectly promote the strategic development direction of most of the
domestic family financial services company. However, AJ also exposed
problems in the design of its own financial products. Mainly includes:
first, the product investment threshold is high, the term is long; two
is the product type is less; the three is the product design is targeted
weak. The main reasons are as follows: first, the lack of in-depth research
on market supply and demand; the two is the lack of product R & D capability;
the three is the company* s system is conservative, not adapt to the changes
in the macro environment.
Developed countries in Europe and the United States the development
HI of the financial market is relatively mature, the concept of the concept
of family financial management and financial products, investors have a
wealth of experience. In the aspect of family financial product design
has a very successful and feasible method that is worthy of learning,
personal and family life cycle based on product design and asset
allocation, which is the core and foundation of family financial product
optimization design.
Based on the AJ family financial product design problems on learning
from the developed countries based on family financial product design
experience, life cycle theory can be applied to optimize the design of
family financial products from the following aspects: one is based on the
AJ company in the product design to adapt to the development of the times,
reduce product the investment threshold and duration and strengthen the
research and development, rich product varieties of investment; two is
for four different types of families are designed in four different

products based on the life cycle theory, the implementation of
differentiated strategy. For example, in the family life cycle in elderly
type family aging period, because both husband and wife retired household
income decreased rapidly with the increase of age, spending increased
gradually, gradually reduce the characteristics of household assets.
Therefore, the main purpose of this type of family financial asset
preservation and inheritance of family assets, in advance to prepare for
the future inheritance of assets, risk tolerance is very weak, suitable
for conservative financial management. According to the features of this
type of family AJ company should strengthen the research and design of
low risk, this type of family financial products, such as money market
funds, bonds, bank deposits, guaranteed financial products to meet the
demands of investors type family.
Although the family financial market in China has experienced so many
years of continuous development, it is still not mature enough, and there
are still many problems to be solved. The optimization design of family
financial products is a part of it, but it is also the most important part.
I believe that the design of the family financial products in the future
development of the domestic financial market, whether in theoretical
IV research or practical activities will be a major breakthrough and progress.
AJ company should take this as the goal, and continuously improve the
existing design of family financial products of AJ company, the company
to integrate their own resources, enhance the competitiveness of the
company, to create more revenue for the customer asset, realize the
company

s long-term development goals.
Keywords: family finance; optimal design; family life cycle
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v 目录
m s i
Abstract
Ill
—(一)研究背景(二)研究意义
:
:
:(三)国内外研究现状1.国外研究现状2.国内研究现状(四)研究内容与方法1研究内容2研究方法3.本文的技术路线4.本文的创新与+足点二、家庭理财的理论概述(一)基本概念界¥(二)家庭理财的理论基础1.货币时间价值理论2.家庭生命周期(三)主要家庭理财产品的种类及选择1.银行理财产品2麟 9
3.麟 10
4.齡 11
5搬 13
三、AJ家庭理财公司市场环境分析(一)宏观环境分析1.政治环境2经济环境
14 ,
(二)AJ家庭理财公司微观环境分析1.麟 15
2鱗
:VI 3臟 20
4麵 20
四、AJ公司家庭理财产品设计存在的问题及原因分析
21
(一)产品设计存在的问题
21
1投资门槛高、期限长
21
2.产品种类少
22
3_产品针对性弱
22
(二)原因分析
23
1缺乏市场供求研究
23
2.产品研发能力不足
24
3.公司体制保守,不适应宏观环境变化
24
五、基于