1. 個人理財可以用到的金融模型和文獻 求個人理財可以用到的一些金融學模型和文獻…雖說本人是金融專業學生，
哥，模型太多啦。。。你要哪個方面的？
stock, option,future,還是exchange?
2. 我想要幾篇關於個人理財的外文文獻，QQ號：1805009232。
如果是免費下載，推薦到Oa圖書館查找。
翻譯的話，估計得找別人了。
3. 關於個人理財業務的外文文獻。
可以注冊個小木蟲賬號，從小木蟲上下載就可以了。如果沒有你可以發求助帖會有很多熱心人士給予幫助的。
4. 求關於如何理財論文的參考文獻
- 個人理財業務新起點的深度分析 作者:林姍姍, 期刊-核心期刊 經濟師CHINA ECONOMIST 2008年 第11期 - 個人理財業務存在的問題及競爭策略 作者:龔中純, 期刊-核心期刊 企業經濟ENTERPRISE ECONOMY 2004年 第10期 - 西方商業銀行個人理財業務發展新趨勢及其借鑒 New Trends and Revelation of Indivial Financial Affairs Development of Western Commercial Banks 作者:凌江懷, 期刊 華南師范大學學報（社會科學版）JOURNAL OF SOUTH CHINA NORMAL UNIVERSITY(SOCIAL SCIENCE EDITION) 2004年 第04期 - 我國商業銀行個人理財業務發展探析 作者:程曉華, 期刊-核心期刊 經濟師CHINA ECONOMIST 2004年 第08期 - 商業銀行發展個人理財業務的難點及策略 作者:林陽發, 期刊 現代商業MODERN BUSINESS 2007年 第36期 - 網上銀行發展個人理財業務初探 作者:姚海, 期刊-核心期刊 技術經濟與管理研究TECHNOECONOMICS & MANAGEMENT RESEARCH 2002年 第02期 - 對商業銀行個人理財業務監管的思考 作者:楊俊松, 期刊-核心期刊 金融與經濟FINANCE AND ECONOMY 2006年 第03期 - 我國商業銀行個人理財業務探討 作者:高孝欣, 期刊-核心期刊 長沙民政職業技術學院學報JOURNAL OF CHANGSHA SOCIAL WORK COLLEGE 2008年 第02期 - 美國注冊會計師的個人理財業務 作者:華金秋,羅櫻, 期刊-核心期刊 財會學習ACCOUNTING LEARNING 2008年 第09期 - 個人理財業務開展的國內現狀研究 The Study of the Civil Present Condition of the Development of Personal Financial Management Business 作者:蔡漢明,徐艷玲, 期刊 武漢理工大學學報(社會科學版)JOURNAL OF WUHAN UNIVERSITY OF TECHNOLOGY(SOCIAL SCIENCE EDITION) 2004年 第05期 - 個人理財業務的發展現狀、前景與策略分析 作者:姜曉兵,羅劍朝,溫小霓, 期刊-核心期刊 生產力研究PRODUCTIVITY RESEARCH 2007年 第03期 更多請瀏覽 易起論文網 www.17net.net
5. 銀行個人理財論文的參考文獻
Creating Your Budget on Paper
Creating a household budget on paper won't provide graphical budget reports found in budgeting or personal finance software, but creating a budget on paper has the advantage of being always available, not just when the computer is on.
Budgeting on Paper
To create a budget form with pen and paper or a word processor, you need to decide if you will budget the same amount for expenses and income for each month, or if you will be budgeting fluctuating amounts across the year. The method you decide on dictates the number of columns you will need in your budget form.
Setting up a budget on paper can be as simple as using your writing instrument of choice and a ruler to draw rows and columns. The advantage of this system is that it is portable and always available. The disadvantage is that as you tweak your budget or find new categories you need to budget for, you will need to rewrite parts of the budget or redo it entirely.
If you budget the same amount each month, draw two columns on paper, one for income and expense categories (paycheck, groceries, utilities) and one for the monthly budgeted amount for each category. If you are budgeting income or expenses will fluctuate monthly, you need a column for the budgeted categories and twelve columns to hold monthly amounts.
Add up total expenses and income in a total row at the bottom of the budgeted amounts column. If you are budgeting for all twelve months, total each month indivially. The total expense rows need to be compared to total income to be sure you are not over-budgeted.
Read more at Suite101: Creating Your Budget on Paper: Personal Financial Planning http://personal-budget-creation.suite101.com/article.cfm/budget_planning#ixzz0dLKVBCWL
Budget Form Print Outs
Printing out a blank budget form from a web site or word processing software provides a neat format for recording budget data. This is a good solution for those who want to create their budget by hand but don't want to have to redraw lines for columns and rows when the budget changes.
As with a completely hand-written budget, you need to decide if you will budget the same amount for expenses and income for each month, or if you will be budgeting fluctuating amounts across the year. If you go with a static budget amount month after month, you only require two columns - one for the budgeted category and one for the amount budgeted. Budgeting different monthly amounts calls for a category column and a column for each month in a year. Be sure to include a total row beneath the budgeted amounts so you can see if total expenses surpass total income.
Free Budget Planning Printables
Using Tables in Microsoft Word: Tips on using the Tables feature in Microsoft Word to create your budget form.
These free printable budget planning forms require the free Adobe Reader
To use forms for tracking your monthly spending after you create your budget: print out the form, fill in budgeted amounts that will not change and then make photocopies to avoid recording budgeted amounts each month.
Use Balance Pro's complete budget form with a personal financial analysis with the 8-page Money Management Planner to break down current spending, planned budget and changes in spending needed to reach budgeted amounts. Includes weekly and monthly expense records.
Detailed Budget Worksheet from Freddie Mac includes lines for brief notes.
Monthly Budget Worksheet from www.SocialServe.com includes a Monthly Spending Summary on the last page, with a spot to record surplus or shortfall.
Less detailed and very colorful Simple Monthly Budget worksheet from www.aba.com.
Read more at Suite101: Creating Your Budget on Paper: Personal Financial Planning http://personal-budget-creation.suite101.com/article.cfm/budget_planning#ixzz0dLKZC8mf
6. 哪能找到個人理財的外文文獻（最好帶翻譯的）
Are you investing in the right instry?
Does the term book-to-bill ratio sound familiar to you? Do you know the demand and supply numbers of private condominiums in Singapore for the next year ? If you do, you must have already performed some sort of instry analysis on the electronics and property instries (or sectors as commonly referred to in stockmarket terms).
Most investment processes include some sort of instry analysis. This is important because many studies have shown that over a period of time, some instries have per-formed better than others. For example, between 1987 and 1996, banking stocks in Singapore have generated better returns than other instries such as shiprepair. Instry analyses will uncover these performance differences and help identify both unprofitable and profitable opportunities
(situations).
It is also important to note that past performance alone will not help predict future performance. The factors or conditions that helped an instry to prosper in the past will change over time. Identifying and studying these factors will provide some clues to the entry and exit points of the investments. Going back to our earlier example, economic growth is an important criterion for banks' earnings. Between 1987 and 1996, Singapore enjoyed an uninterrrupted average GDP growth of 8.9%. This allowed the banks' earnings to grow at a compound rate of 11.3% when the broader market generated only 8.5% growth. With GDP growth decelerating because of the Asian crisis, can we maintain the same sanguine outlook for the banks?
Having determined that instry analyses are important for successful investing, the next step is to find out how we can go about doing one. There is no generic framework that is applicable to all instries, but there are commonalities which we can identify. In a free market economy, demand and supply are key determinants of price, and price is always an important contributor to any profit-driven organisation. Hence, a successful indstry ana-lysis will have to identify the underlying fac-tors driving demand and supply.
Factors that drive demand vary across instries, and are too numerous to list. However, it is important to note that demand can be categorised as "seasonal", "cyclical" or "secular". As the word suggests, seasonal fac-tors recur year after year. Cyclical factors, on the other hand, follow
very closely to the economic cycles of the market. Secular factors are more long term in nature. Seasonality or economic cycles will have minimal impact on secular trends.
Take an airline as an illustration. Most Singaporeans take their vacation in December. That is why airline seats are difficult to secure ring that time. This is the seasonal factor because it occurs every year around the same time. Having said that, Singaporeans usually take vacations more frequently when the economy is doing well, and less so ring reccessionary times. The rise and fall in demand in accordance to economic activities is the cyclical factor. Finally, the middle class population in Singapore has been rising over the last 20 years. This group is generally more affluent. Part of the lifestyle usually includes taking regular vacations to exotic destinations. Such lifestyle doesn't change annually, nor does it follow the ups and downs of economic growth. The demand for air travel will grow so long as the middle class population continues to
increase. This is an example of secular demand.
Classifying demand factors into these categories is very useful. As long-term inves-tors, we do not want to be constantly reacting to signs that are short term and volatile in nature such as seasonal, and to a lesser extent, cyclical trends. Buying and selling stocks based on these short-term trends are not only expensive (brokerage cost) but difficult to time as well. Instead, we should focus on long-term trends. They usually have a longer and more permanent impact on share prices.
A key factor in identifying an attractive instry is pricing power. The ability of an instry to price its proct at a profitable level without compromising its business pros-pect is important, and this is affected by many factors. Inelastic demand allows the tobacco procers to maintain good profits despite the rapidly rising tariffs all these years. Barriers to entry is another factor. Mobile-phone charges used to be very expensive because there was only Singapore Telecom providing the ser-vice (monopoly). With increased competition from M1, rates have been declining graally. All things being equal, the more competitive the instry is, the lower the pricing power, and hence profits. Competition may be good for the consumers, but it seldom benefits the shareholders. Another factor that will impact the com-petitive environment of an instry is the cost structure. In general, indsutries with high fixed costs are more competitive than those that have high variable costs. We often hear about coun-tries being accused of 'mping steel' onto other countries. Well, this is the case in point. Steel mills are expensive to construct. But once built, the investment costs are 'sunked'. On the other hand, the running cost to proce steel is relatively low. Since there are so many steel mills around the world (almost every country has one for strategic reasons), supply is in abundance. As competition intensifies in the global market, recovering investment cost of the mills becomes a secondary objective for management. What is more important is to keep the proction ongoing and sell the steel at a price that can at least cover the variable cost component. These mills will definitely be loss-making, but at least they can continue to operate and not generate serious unemploy-ment for the economy (steel instry is very labour-intensive). Having looked at the fundamental issues, do we always buy into an instry with positive trends developing? The answer is 'no'. Con-fused? Here is why. The key to any successful investments is to stay ahead of what the market is discounting. Suppose we are bullish on the outlook of the residential property sector because owning a home is every Singaporean's dream and the island has limited land supply. But this view is widely observable. Further-more, most of the residential property stocks have already outperformed the market by huge margins. These are signs that the market has probably discounted the positive conclusion of our analysis. As such, the investment upside is probably limited. Conversely, if our conclu-sion unearths new information from the gene-ral market, we may have discovered something interesting here. To confirm that we have a good find, check out the valuation to see if it is attractive. There are many valuation tools, but the commonly used ones are Price/Earnings (PE), Enterprise Value/EBITDA*, Price/Book(P/B), and Dis-counted Cash Flow (DCF). Make a cross-instry comparison as well as historical com-parison. Going back to our property example. If our conclusion is new to the market, the instry is trading at the lower end of its histo-rical PE band, and it is also very attractive on PE terms versus the other instries in Singapore...bingo! In conclusion, I would like to leave you with a brain teaser. Imagine this is 1996 and you are an investor looking at the Dynamic Random Access Memory (DRAM) instry: DRAM is a semiconctor chip used in most electronic procts such as personal computers. The business is cyclical in nature because corporate and private consumption of PCs usually rises when the economy is doing well. There are, however, two secular trends that underpin the growth in the instry. First, more and more people are buying PCs for their home and oiffice. Second, the requirement of DRAM per PC is also on the rise as processing power of computer increases exponentially. On the competitive issue, the cost to build a wafer fab is extremely high (about US$1b), and the technology is usually state-of-the-art. Besides capital and technology, there are no other significant barriers to entry. Margin for the instry had been very good because of supply shortage. This probably explained why share prices outperformed the market in 1995. The historical five-year PE band for selected stocks in the instry between 1991 and 1995 was about 10 to 100. The average PE ring the period was 30. The instry is currently trading at a PE in the low teens. Would you invest in this instry? (The writer is the Investment Manager of Jardine Fleming Investment Management. This column has the support of the Investment Management Association of Singapore and the Stock Exchange of Singapore.)
到這個網站上去看一下,有這篇文章的翻譯,此外還有許多商務英語論文
http://www.lunwenwang.com/Article/eng/biz/200510/26337_2.html
7. 急求個人理財管理信息系統文獻綜述
初識基金：
居然還有這種好東西
2004年初，吳先生在營業廳從事櫃台業務，當他看到無數儲戶排起擁擠的長龍把銀行營業部大廳擠得水泄不通，卻只為了把錢存入需交納20%利息所得稅的教育基金時，職業的原因促使他開始尋找一種更優的投資渠道。一個偶然的機會，他在建行報中發現了當時最為火爆的某基金公司發行的價值增長基金。2004年3、4月份，股市上沖到1700點時，這只基金凈值最高漲到1.53元，隨後的下跌行情也只跌了百分之十幾。這種高收益跟銀行存款利率相比具有極大的吸引力。「世界上居然還有這種好東西。」他想。
2004年8月，上投摩根中國優勢基金通過建行銷售，公司總經理王鴻嬪親自到陝西推廣。吳先生也到會場聽了講座，旋即被王鴻嬪所講的投資理念和她自身的傳奇經歷深深吸引。中國優勢基金發行首日，他動員他的同事和他在交通銀行的朋友認購。他買了10000元，其他的同事和朋友都各買了幾千元。
吳先生快人快語，言辭幽默。「我有些做投資的朋友，買了基金或者股票，每天頻繁交易，副業比主業幹得還累，遇到市場波動就愁眉苦臉，擔驚受怕。」他說，「這有啥，難道中國經濟有問題嗎？沒有。難道中國股市會崩盤嗎？也不會。既然如此，即使短期虧損，又能虧損多少錢呢？」他認為那些買了基金之後就整日為基金所累的人很可笑。「既然選擇了自己信任的管理人，那就別去管投資上的事情。漲跌波動讓專家去處理。」他還很自豪地告訴記者，現在只要在他們營業部談到中國優勢基金，沒人不會提起他的名字，因為他不僅是他們營業部第一個認購中國優勢基金的人，而且是唯一一個持有至今的人。
在2005年的熊市行情中，中國優勢基金凈值一度跌到0.91元，有的同事和朋友開始抱怨他，他告訴他們，「我們做的是中長期投資，在目前的下跌行情中，這只基金的表現已相當好了，只要堅持持有一定會有收獲的。」2005年下半年中國優勢基金凈值漲到1.04元，一個朋友賣掉了手中的基金，2006年上半年漲到1.14元時，又有同事賣掉了手中的基金。之後就不斷有人善意地提醒他趕快賣掉中國優勢基金。這樣的話聽多了，他就反問，「你賣掉基金打算把錢放在哪裡？存活期或者定期？」有人給出答案說，「買一隻新基金。」
「在目前的上漲行情中一隻新基金會做得更好嗎？你有什麼理由證明一個新基金公司、新基金經理比中國優勢基金更好，以至於值得你付出2%手續費的代價？」一直以來他都把這句話說給那些想「換手」的基金持有人，既然選擇的這家基金公司過去業績很好，那為何要花費手續費去重新換一隻不了解的基金呢？
因此，縱然有無數只基金發行，吳先生卻近乎偏執地抱住最初的唯一一隻基金不放，他這種弱水三千、只取一瓢的做法，除了品牌情結以外，更多的是一種長期以來的信任。吳先生唯一的一次交易，就是將現金分紅改為紅利再投資。他當初投入的10000元目前市值超過了36000元。
8. 急求!！！一篇關於商業銀行個人理財業務的外文文獻！！！急急急！！
先到網路文庫，找一篇此類文檔中文的，然後用有道翻譯，或是谷歌在線翻譯翻成英
文，然後把英文放上面，中文放下面。希望可以幫到你。
一，選題要新穎。
這次我的論文的成功，和高分，得到導師的贊許，都是因為我論文的選題新穎所給我帶來的好處。最好涉及護理新領域，以及新進展，這樣會給人耳目一新的感覺。
二，大量文獻做基礎
仔細查閱和你論文題目和研究范圍相關的文獻，大量的文獻查閱會你的論文寫作鋪墊，借鑒別人的思路，和好的語言。而且在寫作過程不會覺得語言平乏，當然也要自己一定的語言功底做基矗
三，一氣呵成
做好充分的准備，不要每天寫一些，每天改一些，這樣會打斷自己的思路，影響文章的連貫。
四，盡量採用多的專業術語
可能口語化的表達會給人帶來親切感，但論文是比較專業的形式，是有可能做為文獻來查閱和檢索的，所以論文語言的專業化，術語化會提升自己論文的水平。
五，用正規格式書寫
參考正規的論文文獻，論文格式。不要因為格式問題，而影響到你論文的質量。
六，最好在計算機上完成寫作過程
如果有條件最好利用電腦來完成寫作過程，好處以下幾點：1，節省時間，無論打字的速度慢到什麼程度，肯定要比手寫的快。2，方便，大量的文獻放在手邊，一個一個查閱是很不方便的，文獻都是用資料庫編輯，所以都是在電腦上完成。提前先在電腦上摘要出重點，寫出提綱，隨時翻閱，方便寫作。3，修改編輯，在電腦隨時對文章進行修改編輯都是非常的方便。4，隨時存檔，寫一段，存一段，防止突然停電，或者電腦當機。本人就是吃了這個大虧，一個晚上的勞動，差點就全沒了，幸虧男友是電腦高手，幫我找回。否則就恨著電腦，哭死算了。
七，成稿列印好交給導師
無論你的字寫的多麼優美，還是按照慣例來，列印出的文字顯的正規，而且交流不存在任何的問題，不會讓導師因為看不懂你的龍飛鳳舞，而低估你的論文。而且干凈整潔，女孩子不僅注意自己的形象問題，書面的東西也反映你的修養和氣質。
八，聽取導師意見，仔細修改
導師會給你一些關於你論文建設性的意見，仔細參考，認真修改。畢竟導師是發表過多篇論文，有頗多的經驗。
9. 請問誰有關於個人理財產品國內外文獻的，本人在中國知網類網站都找不到。謝謝了。
您可以尋找一下包含財經類的國外知名資料庫中是否有相關文獻，只是查找出來會全是純英的，若需要中文還要另行翻譯。如果找不到可以下載的外文資料庫可以到seek68數字圖書館進行查詢