集合受托投资理财系统的分析与设计

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1、华南理工大学硕士学位论文集合受托投资理财系统的分析与设计姓名：郭海文申请学位级别：硕士专业：工业工程指导教师：田森平20061101AbstractTodaythemaininvestchannelincluding：equities、fund、bond、futures、insurance、foreignexchange、goldetc。Withtheextendingscopeoffinancialassetsandthedailyincreasingbanksavingassets，whichincludepersonalsavin

2、gandenterpriseassetssettleinbankaccounttemporarily。Now,thispartofassetsisusuallynogoodchanneltoproducegoodreturnsandsocialbenefit。So．howtoIlscthispartofassetsinthebankinagoodway7．howtoincrementthispartassetsbyasafeway?Banksnowfacecryingfortheircustomer,especiallythecusto

3、merwhohavehighlyrequestfortheassetssecurityandassetsfluidity,findabetterinvestchannelwhichprovideshigher∞tuITISthanthecurrentdeposit。PersonalinvestorsCaneasilymakethreefaultswhileinvesting：First，shortoffunds，manyinvestmentsCannotfootin·Second，busyworkandtimelimit,manygoo

4、dinvestchancescouldcatchinrighttime。Third，noprofessionalinvesttraining，shortoftechnicalandexperience。Thecentralizedprivatewealthmanagementservicejustcouldresolvetheabovethreepersonalinvestdisadvantages。Theseoperationcouldcentralizethepersonalidleassetstoalargeassets，sogo

5、odinvestmentchannelwhichrequirehighassets，suchasbondbuy·back，bondcallback．Thecentralizedprivatewealthmanagementservicesetupstructureofthreesidescooperationmodebyorderer-Assignee—Custodian。Thecentralizedprivatewealthmanagementserviceisanewtypeoffinancialbusiness，whichcoul

6、dbetterutilizethebothsidestrongpointofthebankandtheinvestagency·Theassigneedesigntheproduct，byusingthebankadvantageofbusinessnetandtechnicalsupport,theyofferbankcustomer越investmentwayofacomparativelysafeandrationalsteadilyincome。Theessentialofthisoperationisunderthecommi

7、ssionoftheinvestcustomer,bankgatherallthecustomerassets，whichthecustomeralreadysignedthetrustcontract，toauniqueacCOuntthanopenbytheassignee，assigneecouldusetheaccountcapitalbylimitedinvestscopeandlimitedtimebythecontract,assoon鹊thecontractmaturity,bankwillreturntheinvest

8、mentincomeandassetsbacktotheclientaccount。SotheoperationagewelcomedbywidebankclientasSOonasThecentraliz