基于LP模型的个人性格影响个人投资理财决策  

Investment Allocation Cecision with Personal Personality Based on LP Model

作　　者：冯陆铭 胡盛强 FENG Lu-ming;HU Sheng-qiang(School of Business Administration,Guangdong University of Finance and Economics,Guangzhou 510320,China;School of International Business,Guangdong University of Finance and Economics,Guangzhou 510320,China)

机构地区：[1]广东财经大学工商管理学院,广州510320 [2]广东财经大学国际商学院,广州510320

出　　处：《价值工程》2021年第32期1-4,共4页Value Engineering

基　　金：广州市哲学社会科学规划资助项目(2020GZGJ122);佛山市社科共建项目(2021-GJ042);广东省教育厅人文社科类特色创新资助项目(2017WTSCX043);广东省政府课题资助项目;广东财经大学“创新强校工程”国际科研合作平台“智慧创业研究室”。

摘　　要：随着我国经济的增长以及互联网金融行业的快速发展,我国民众普惠性金融意识不断提高,越来越多的个体或家庭投资多种类型的理财产品,从而实现财富的保值或增长。本文考虑个人性格及风险偏好对其投资理财资金分配的影响,基于LP模型分别研究了完全理性、乐观性格(或风险偏好)、悲观性格(或风险规避)等三种情形下的投资组合决策问题,在最优模型的基础上进行计算机仿真,并对相关决策结果进行比较分析。相关研究具有一定的理论及应用价值。With the rapid development of Chinese economy and Internet finance industry,the Chinese people's awareness of inclusive finance continues to increase,and more and more individuals or families invest in various types of financial products to achieve wealth preservation or growth.The influence of personal personality and risk preference on the allocation of investment or financial funds were considered.Based on the LP model,the problems of investment portfolio decision-making were studied respectively under situation of complete rationality,optimistic personality(or risk preference),and pessimistic personality(or risk aversion).The simulations were carried out on the basis of the optimal models,and the decisions were compared.Related research has certain theoretical and application value.

关 键 词：LP模型 个人性格 投资理财 决策 

分 类 号：F832.48[经济管理—金融学]