基于生命周期的个人理财需求模式分析

Research on demand pattern of personal financing based on the life cycle

处于不同人生阶段客户的理财的重心与方式有所差异,商业银行应参考客户所处的人生阶段选择合适的理财方式与理财产品组合建议。利用笔者编写的关联分析法等工具对不同人生阶段客户的理财目标、理财特性以及理财产品组合进行关联分析,找出理财特性与理财产品组合的强关联模式。这些关联模式有助于商业银行决定提供服务的方式、行销的策略与投资的组合,据此拟定理财规划真正满足客户的需求。

The focus and style of clients financing are varied in terms of their current period of life,and the f commercial banks should select the appropriate pattern of financing and suggestions for financing product mix.With the help of such mining tools as association analysis written by the writer,this paper develops an association analysis the financing objective,financing characteristics as well as financing product mix of clients in different period of life in order to find out the intensity association patte...