個人理財外文參考文獻

A. 銀行個人理財論文的參考文獻

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

B. 我想要幾篇關於個人理財的外文文獻，QQ號：1805009232。

如果是免費下載，推薦到Oa圖書館查找。
翻譯的話，估計得找別人了。

C. 求商業銀行個人理財業務外國文獻兩篇（參考文獻，是英文的）

對沖基金風雲錄

D. 哪能找到個人理財的外文文獻（最好帶翻譯的）

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.)

到這個網站上去看一下,有這篇文章的翻譯,此外還有許多商務英語論文
http://www.lunwenwang.com/Article/eng/biz/200510/26337_2.html

E. 畢業論文外文文獻，關於商業銀行個人理財方面的 如果有 能否發我一份 萬分感謝

技巧—：依據學術方向進行選題。論文寫作的價值，關鍵在於能夠解決特定行業的特定問題，特別是在學術方面的論文更是如此。因此，論文選擇和提煉標題的技巧之一，就是依據學術價值進行選擇提煉。
技巧二：依據興趣愛好進行選題。論文選擇和提煉標題的技巧之二，就是從作者的愛好和興趣出發，只有選題符合作者興趣和愛好，作者平日所積累的資料才能得以發揮效用，語言應用等方面也才能熟能生巧。
技巧三：依據掌握的文獻資料進行選題。文獻資料是支撐、充實論文的基礎，同時更能體現論文所研究的方向和觀點，因而，作者從現有文獻資料出發，進行選題和提煉標題，即成為第三大技巧。
技巧四：從小從專進行選題。所謂從小從專，即是指軟文撰稿者在進行選則和提煉標題時，要從專業出發，從小處入手進行突破，切記全而不專，大而空洞。

F. 求關於如何理財論文的參考文獻

- 個人理財業務新起點的深度分析 作者:林姍姍, 期刊-核心期刊 經濟師CHINA ECONOMIST 2008年 第11期 - 個人理財業務存在的問題及競爭策略 作者:龔中純, 期刊-核心期刊 企業經濟ENTERPRISE ECONOMY 2004年 第10期 - 西方商業銀行個人理財業務發展新趨勢及其借鑒 New Trends and Revelation of Indivial Financial Affairs Development of Western Commercial Banks 作者:凌江懷, 期刊 華南師范大學學報（社會科學版）JOURNAL OF SOUTH CHINA NORMAL UNIVERSITY(SOCIAL SCIENCE EDITION) 2004年 第04期 - 我國商業銀行個人理財業務發展探析 作者:程曉華, 期刊-核心期刊 經濟師CHINA ECONOMIST 2004年 第08期 - 商業銀行發展個人理財業務的難點及策略 作者:林陽發, 期刊 現代商業MODERN BUSINESS 2007年 第36期 - 網上銀行發展個人理財業務初探 作者:姚海, 期刊-核心期刊 技術經濟與管理研究TECHNOECONOMICS & MANAGEMENT RESEARCH 2002年 第02期 - 對商業銀行個人理財業務監管的思考 作者:楊俊松, 期刊-核心期刊 金融與經濟FINANCE AND ECONOMY 2006年 第03期 - 我國商業銀行個人理財業務探討 作者:高孝欣, 期刊-核心期刊 長沙民政職業技術學院學報JOURNAL OF CHANGSHA SOCIAL WORK COLLEGE 2008年 第02期 - 美國注冊會計師的個人理財業務 作者:華金秋,羅櫻, 期刊-核心期刊 財會學習ACCOUNTING LEARNING 2008年 第09期 - 個人理財業務開展的國內現狀研究 The Study of the Civil Present Condition of the Development of Personal Financial Management Business 作者:蔡漢明,徐艷玲, 期刊 武漢理工大學學報(社會科學版)JOURNAL OF WUHAN UNIVERSITY OF TECHNOLOGY(SOCIAL SCIENCE EDITION) 2004年 第05期 - 個人理財業務的發展現狀、前景與策略分析 作者:姜曉兵,羅劍朝,溫小霓, 期刊-核心期刊 生產力研究PRODUCTIVITY RESEARCH 2007年 第03期 更多請瀏覽 易起論文網 www.17net.net

G. 求2007至今的家庭理財方面的英文參考文獻。。。在線等

跨國公司財務管理的風險

在經濟全球一體化加深、網路化管理、知識資本要參與利潤分配新的環境下，國際財務管理的理財環境更加復雜化，理財活動受到諸多因素的影響，其中大多數因素又具有易變性和不確定性，因而在跨國公司財務管理中，會面臨更大、更多的風險。跨國公司當前必須面對和解決的一個關鍵問題，便是如何利用外部己有的有利條件，發揮企業自身優勢，提高風險管理能力，合理規避風險，這些問題正是本文所要探討的。本文運用了對比法、分類法和財務分析法等，並引入了金融工程學、風險管理學、企業管理學等相關學科的內容，從實際應用的角度出發，探討如何提高我國跨國公司財務管理中的風險管理能力，實施各項風險基礎則務管理工作。本文從財務管理的角度，對跨國公司的風險進行了重新的分類，並且提出了風險管理戰略的概念，把風險管理提升到戰略管理的高度，在此基礎上，建立包括風險識別、風險評估和風險控制措施在內的風險管理體系;並且詳細介紹了政治風險、利率風險和外匯風險三種跨國公司比較特殊的風險的控制措施;最終本文分析了中國跨國公司風險管理的主要問題以及財務策略，指導國內跨國公司創造有中國特色的競爭優勢。這也是本文的研究意義所在。
關鍵詞:跨國公司;風險管理;跨國財務管理

買下這本書，然後譯成英文，不就行了

H. 求 關於個人理財產品的外文文獻 急求

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.

I. 急求商業銀行個人理財業務的外文文獻。。。英文就好，我自己翻譯T_T。。

外文文獻有，翻譯沒有，翻譯得靠你自己了，希望能滿足你的需要，能幫到你，如果需要直接網路Hi中留言同時貼出問題的鏈接地址和郵箱地址即可，或者告知其他安全可靠方式提供，多多給點懸賞分吧，急用的話請多選賞點分吧，這樣更多的知友才會及時幫到你，我找到也是很花時間的

如果需要直接網路Hi中留言同時貼出問題的鏈接地址和郵箱地址即可，或者告知其他安全可靠方式提供

近期好像網路Hi無提示信息

留下郵箱地址如dgfgafd的126q郵箱

一六*零****八二*二QQ郵箱

J. 銀行個人理財論文的英文參考文獻

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