1. 个人理财可以用到的金融模型和文献 求个人理财可以用到的一些金融学模型和文献…虽说本人是金融专业学生，
哥，模型太多啦。。。你要哪个方面的？
stock, option,future,还是exchange?
2. 我想要几篇关于个人理财的外文文献，QQ号：1805009232。
如果是免费下载，推荐到Oa图书馆查找。
翻译的话，估计得找别人了。
3. 关于个人理财业务的外文文献。
可以注册个小木虫账号，从小木虫上下载就可以了。如果没有你可以发求助帖会有很多热心人士给予帮助的。
4. 求关于如何理财论文的参考文献
- 个人理财业务新起点的深度分析 作者:林姗姗, 期刊-核心期刊 经济师CHINA ECONOMIST 2008年 第11期 - 个人理财业务存在的问题及竞争策略 作者:龚中纯, 期刊-核心期刊 企业经济ENTERPRISE ECONOMY 2004年 第10期 - 西方商业银行个人理财业务发展新趋势及其借鉴 New Trends and Revelation of Indivial Financial Affairs Development of Western Commercial Banks 作者:凌江怀, 期刊 华南师范大学学报（社会科学版）JOURNAL OF SOUTH CHINA NORMAL UNIVERSITY(SOCIAL SCIENCE EDITION) 2004年 第04期 - 我国商业银行个人理财业务发展探析 作者:程晓华, 期刊-核心期刊 经济师CHINA ECONOMIST 2004年 第08期 - 商业银行发展个人理财业务的难点及策略 作者:林阳发, 期刊 现代商业MODERN BUSINESS 2007年 第36期 - 网上银行发展个人理财业务初探 作者:姚海, 期刊-核心期刊 技术经济与管理研究TECHNOECONOMICS & MANAGEMENT RESEARCH 2002年 第02期 - 对商业银行个人理财业务监管的思考 作者:杨俊松, 期刊-核心期刊 金融与经济FINANCE AND ECONOMY 2006年 第03期 - 我国商业银行个人理财业务探讨 作者:高孝欣, 期刊-核心期刊 长沙民政职业技术学院学报JOURNAL OF CHANGSHA SOCIAL WORK COLLEGE 2008年 第02期 - 美国注册会计师的个人理财业务 作者:华金秋,罗樱, 期刊-核心期刊 财会学习ACCOUNTING LEARNING 2008年 第09期 - 个人理财业务开展的国内现状研究 The Study of the Civil Present Condition of the Development of Personal Financial Management Business 作者:蔡汉明,徐艳玲, 期刊 武汉理工大学学报(社会科学版)JOURNAL OF WUHAN UNIVERSITY OF TECHNOLOGY(SOCIAL SCIENCE EDITION) 2004年 第05期 - 个人理财业务的发展现状、前景与策略分析 作者:姜晓兵,罗剑朝,温小霓, 期刊-核心期刊 生产力研究PRODUCTIVITY RESEARCH 2007年 第03期 更多请浏览 易起论文网 www.17net.net
5. 银行个人理财论文的参考文献
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. 哪能找到个人理财的外文文献（最好带翻译的）
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.)
到这个网站上去看一下,有这篇文章的翻译,此外还有许多商务英语论文
http://www.lunwenwang.com/Article/eng/biz/200510/26337_2.html
7. 急求个人理财管理信息系统文献综述
初识基金：
居然还有这种好东西
2004年初，吴先生在营业厅从事柜台业务，当他看到无数储户排起拥挤的长龙把银行营业部大厅挤得水泄不通，却只为了把钱存入需交纳20%利息所得税的教育基金时，职业的原因促使他开始寻找一种更优的投资渠道。一个偶然的机会，他在建行报中发现了当时最为火爆的某基金公司发行的价值增长基金。2004年3、4月份，股市上冲到1700点时，这只基金净值最高涨到1.53元，随后的下跌行情也只跌了百分之十几。这种高收益跟银行存款利率相比具有极大的吸引力。“世界上居然还有这种好东西。”他想。
2004年8月，上投摩根中国优势基金通过建行销售，公司总经理王鸿嫔亲自到陕西推广。吴先生也到会场听了讲座，旋即被王鸿嫔所讲的投资理念和她自身的传奇经历深深吸引。中国优势基金发行首日，他动员他的同事和他在交通银行的朋友认购。他买了10000元，其他的同事和朋友都各买了几千元。
吴先生快人快语，言辞幽默。“我有些做投资的朋友，买了基金或者股票，每天频繁交易，副业比主业干得还累，遇到市场波动就愁眉苦脸，担惊受怕。”他说，“这有啥，难道中国经济有问题吗？没有。难道中国股市会崩盘吗？也不会。既然如此，即使短期亏损，又能亏损多少钱呢？”他认为那些买了基金之后就整日为基金所累的人很可笑。“既然选择了自己信任的管理人，那就别去管投资上的事情。涨跌波动让专家去处理。”他还很自豪地告诉记者，现在只要在他们营业部谈到中国优势基金，没人不会提起他的名字，因为他不仅是他们营业部第一个认购中国优势基金的人，而且是唯一一个持有至今的人。
在2005年的熊市行情中，中国优势基金净值一度跌到0.91元，有的同事和朋友开始抱怨他，他告诉他们，“我们做的是中长期投资，在目前的下跌行情中，这只基金的表现已相当好了，只要坚持持有一定会有收获的。”2005年下半年中国优势基金净值涨到1.04元，一个朋友卖掉了手中的基金，2006年上半年涨到1.14元时，又有同事卖掉了手中的基金。之后就不断有人善意地提醒他赶快卖掉中国优势基金。这样的话听多了，他就反问，“你卖掉基金打算把钱放在哪里？存活期或者定期？”有人给出答案说，“买一只新基金。”
“在目前的上涨行情中一只新基金会做得更好吗？你有什么理由证明一个新基金公司、新基金经理比中国优势基金更好，以至于值得你付出2%手续费的代价？”一直以来他都把这句话说给那些想“换手”的基金持有人，既然选择的这家基金公司过去业绩很好，那为何要花费手续费去重新换一只不了解的基金呢？
因此，纵然有无数只基金发行，吴先生却近乎偏执地抱住最初的唯一一只基金不放，他这种弱水三千、只取一瓢的做法，除了品牌情结以外，更多的是一种长期以来的信任。吴先生唯一的一次交易，就是将现金分红改为红利再投资。他当初投入的10000元目前市值超过了36000元。
8. 急求!！！一篇关于商业银行个人理财业务的外文文献！！！急急急！！
先到网络文库，找一篇此类文档中文的，然后用有道翻译，或是谷歌在线翻译翻成英
文，然后把英文放上面，中文放下面。希望可以帮到你。
一，选题要新颖。
这次我的论文的成功，和高分，得到导师的赞许，都是因为我论文的选题新颖所给我带来的好处。最好涉及护理新领域，以及新进展，这样会给人耳目一新的感觉。
二，大量文献做基础
仔细查阅和你论文题目和研究范围相关的文献，大量的文献查阅会你的论文写作铺垫，借鉴别人的思路，和好的语言。而且在写作过程不会觉得语言平乏，当然也要自己一定的语言功底做基矗
三，一气呵成
做好充分的准备，不要每天写一些，每天改一些，这样会打断自己的思路，影响文章的连贯。
四，尽量采用多的专业术语
可能口语化的表达会给人带来亲切感，但论文是比较专业的形式，是有可能做为文献来查阅和检索的，所以论文语言的专业化，术语化会提升自己论文的水平。
五，用正规格式书写
参考正规的论文文献，论文格式。不要因为格式问题，而影响到你论文的质量。
六，最好在计算机上完成写作过程
如果有条件最好利用电脑来完成写作过程，好处以下几点：1，节省时间，无论打字的速度慢到什么程度，肯定要比手写的快。2，方便，大量的文献放在手边，一个一个查阅是很不方便的，文献都是用数据库编辑，所以都是在电脑上完成。提前先在电脑上摘要出重点，写出提纲，随时翻阅，方便写作。3，修改编辑，在电脑随时对文章进行修改编辑都是非常的方便。4，随时存档，写一段，存一段，防止突然停电，或者电脑当机。本人就是吃了这个大亏，一个晚上的劳动，差点就全没了，幸亏男友是电脑高手，帮我找回。否则就恨着电脑，哭死算了。
七，成稿打印好交给导师
无论你的字写的多么优美，还是按照惯例来，打印出的文字显的正规，而且交流不存在任何的问题，不会让导师因为看不懂你的龙飞凤舞，而低估你的论文。而且干净整洁，女孩子不仅注意自己的形象问题，书面的东西也反映你的修养和气质。
八，听取导师意见，仔细修改
导师会给你一些关于你论文建设性的意见，仔细参考，认真修改。毕竟导师是发表过多篇论文，有颇多的经验。
9. 请问谁有关于个人理财产品国内外文献的，本人在中国知网类网站都找不到。谢谢了。
您可以寻找一下包含财经类的国外知名数据库中是否有相关文献，只是查找出来会全是纯英的，若需要中文还要另行翻译。如果找不到可以下载的外文数据库可以到seek68数字图书馆进行查询