理财产品的客户需求和产品设计摘要：本文首先阐述理财产品的客户需求和产品设计讨论理论背景及内涵，其次对我国理财产品的客户需求和产品设计现状进行讨论和综述，再次，对部分客户的理财产品需求进行调查和讨论，最后，针对这些问题提出了一些建议和对策。本文通过理论分析的方法讨论客户理财产品需求和产品设计中产生的突出问题进行分析，并通过实证性分析，从而找出其产生的根源，并提出具有一定的现实性和可操作性具体的解决方案。并对客户的理财产品需求进行调查，根据调查情况制定相应的理财产品，设计调查问卷，调查客户理财产品需求行为，猎取一手资料为进一步进行产品设计打好基础，然后通过实地调查，结合实证进行相关数据统计汇总分析，对影响客户理财产品需求的因素进行分析，考察理财产品对客户的影响。在写作过程中引用一些数据资料对理财产品设计过程中存在的问题及产品对客户的影响进行更精确的分析。关键词：理财产品 客户需求 产品设计Financial products to customer needs and product designSummary： This paper first describes the theoretical background and content of financial products to customer needs and product design research, followed by studies and reviews of financial products to customer needs and product design status quo, once again, to investigate and research on the part of the customer's demand for financial products, and finally,made some suggestions and countermeasures to address these issues.By the theoretical analysis of the customer demand for financial products and the outstanding issues in the product design analysis and empirical analysis, in order to identify their root causes, and proposed to have a certain reality, and operability of specific solutions programs. And customer demand for financial products to investigate and develop appropriate financial products, according to the investigation, questionnaire design, survey customer demand for financial products behavior, to obtain first-hand information to lay the foundation for further product ...
