投资者群体特点与理财产品设计

投资者不但在做出投资决策时考虑理财产品的风险收益和投资周期等传统因素，而将其自身投资性格和商业银行发行的产品特点相结合从而选择适合自身的理财产品种类。通过调查统计将投资者根据性格特点分为三类，即：专业投资者，激进型投资者和消极型投资者，并针对不同类别群体特点从投资信心、对银行依赖、受信息影响程度等方面提出相应的理财产品设计建议，完善了理财产品的设计思路。

Design Suggestions to the Financial Products Based on the Population Characteristics of Investors

The financial product investors who make their choices not only consider the traditional factors such as risks and benefits as well as the cycle time of the capital,but also follow their own characteristics to go along with the products.Based on the research and statistical results this paper divides all the investors into three parts as follows: professional investors,aggressive investors and negative investors.Design suggestions on the confidence of investing,the dependence to the bank and the impact by information are given to different groups,making the products coincident with the demands of investors.