江苏经贸职业技术学院毕业设计（论文）题目：个人理财风险的设计系（院）专业班级学号学生姓名指导教师职称指导教师职称年月日个人理财风险的设计摘要：随着社会经济的不断发展，人们收入水平与可支配资产的不断增加，人们的个人理财需求也日益旺盛，银行自身的经营理念，中间的业务尤其个人金融的业务逐渐的成为银行经营的重点，个人在金融业务成为银行吸引优质高端客户、扩大市场份额，增加利润的核心业务之一。理财由于其高于银行存款收益的特点，逐渐成为个人关注的焦点。本文研究的主要目的就是探讨个人在进行理财的过程中如何进行风险管理。本文首先介绍了个人理财及相关概念；然后，对个人理财投资的系统设计进行分析；最后，是个人理财业务风险分析及个人理财风险防范对策。关键词：个人理财；风险管理；风险；对策PersonalfinanceriskdesignAbstract:withtheeconomicandsocialdevelopment,andpeoplewithdisposableincomelevelofassetsincreases,andpeople'spersonalfinancedemandalsoincreasinglystrong,abank'smanagementidea,themiddleofthebusinessofpersonalfinanceespeciallybusinessgraduallybecomethefocusofthebankmanagement,peopleinthefinancialbusinessbecomebankhigh-endcustomershighquality,attractsexpandthemarketshareandincreaseprofitsoneofthecorebusiness.Duetotheabovebankfinancingthecharacteristicsofthedepositincome,hasbecomethefocusofattentionoftheindividual.Themainpurposeofthisstudyistoexploreintheprocessofpersonalfinancialmanagementhowtoconductriskmanagement.Thispaperfirstintroducedthepersonalfinancialmanagementandrelevantconcepts;Then,topersonalfinanceinvestmentsystemdesignanalysis;Finally,isthepersonalfinancialmanagementbusinessriskanalysisandpersonalfinanceriskpreventioncountermeasures.Keywords:personalfinance;Riskmanagement;Risk;countermeasures窗体底端目录TOC\o"1-3"\h\uHYPERLINK\l_Toc11683引言PAGEREF_Toc116831HYPERLINK\l_Toc9971一、个人理财及相关概念PAGEREF_Toc99711HYPERLINK\l_Toc17338（一）个人理财的概念PAGEREF_Toc173381HYPERLINK\l_Toc6387（二）个人理财规划的执行流程PAGEREF_Toc63871HYPERLINK\l_Toc1419二、个人理财投资的系统设计PAGEREF_Toc14191HYPERLINK\l_Toc28203三、个人理财业务风险分析PAGEREF_Toc282032HYPERLINK\l_Toc3972（一）市场风险PAGEREF_Toc39722HYPERLINK\l_Toc9848（二）理财风险PAGEREF_Toc98483HYPERLINK\l_Toc2708（三）产品信息不对称风险PAGEREF_Toc27083HYPERLINK\l_Toc21898（四）操作风险PAGEREF_Toc218984HYPERLINK\l_Toc30775四、个人理财风险防范对策PAGEREF_Toc307754HYPERLINK\l_Toc2359（一）个人要增强理财的意识，转变理财观念PAGEREF_Toc23594HYPER