【作者】 李秀英；

【导师】 蒋海；

【作者基本信息】 暨南大学 ， 金融学， 2008， 硕士

【摘要】 随着经济的不断发展,人民的生活水平越来越高,个人理财也成为了社会的一个热门话题之一,但现在的个人理财还处于比较弱的阶段,而发展个人理财是未来的大趋势,它潜在着巨大的发展空间,提高金融资源的配置效率。而香港是一个国际金融中心,她的理财产品和理财工具,多不胜数,所以,研究此题具有较大的现实意义。本文主要通过描述个人理财的概念和内涵,从金融创新,生命周期,金融中介,投资组合,银行营销等方面对个人理财进行了理论分析,然后通过分析香港个人理财的现状情况,包括其业务特点,业务运作内涵以及兴起原因,提出了香港个人理财发展中存在的主要问题,最后通过以上各方面的情况和问题进行了总结,说明了发展个人理财服务对理财金融机构的重要性,并提出开拓个人理财服务的建议。更多还原

【Abstract】 As social economic constantly grow thing and people getting higher and higher, personal financial planning is the most popular topic nowadays. However, in this moment personal financial planning still at the weak stage, and develop personal financial planning is the major tendency in the future, it has a large potential to increase and improve effectively. Hong Kong is an international financial center; there are many financial product and tools in the marker. Therefore, this is the one of significant topic to study.Firstly, This paper describes the concept and connotation of the personal financing, and analyses it by lifecycle of finance innovation, investment portfolio, bank marketing, etc. Then it brings forward the main problems of the Hong Kong personal financing, through anglicizing it’s actualities, including the business characteristic, working connotation and rising reason.Finally, we summarize the situations and problems above-mentioned, and illuminates the importance of developing personal financing service for financial institution, and tables some proposals for expanding personal financing.更多还原