个人理财中金融衍生工具的运用

二十世纪七十年代以来,金融创新的思潮此起彼伏,风起云涌。各种新型金融衍生工具层出不穷,其交易量日新月异。各类金融衍生工具对于微观财务管理之意义、对于宏观经济运行之影响日益凸显;对于个人投资者来说,金融衍生工具也越来越成为了理财投资的重要规划手段。本文在广泛地查阅资料与阅读文献的基础上,简要介绍了金融衍生工具的涵义,具体分析了金融衍生工具的风险特征与理财功能并以股指期货和期权交易为例探究了金融衍生工具在个人理财中的具体运用,希望能够同时给予读者与自己以借鉴性意义。

Since the 1970s,the trend of thought of financial innovation rises and falls.A variety of new financial derivatives emerge in endlessly,and their trading volume is changing with each passing day.All kinds of financial derivatives are becoming more and more important for micro financial management and macroeconomic operation.For personal investors,financial derivatives have increasingly become an important planning tool for financial investment.Based on the extensive access to information and reading literature,briefly introduces the meaning of financial derivatives,analyzes the risk characteristics and financial functions of financial derivatives and the stock index futures and options trading as an example of financial derivatives in personal finance,hoping to give the reader at the same time with yourself in reference significance.