臺灣博碩士論文加值系統

個人理財規劃係以財富持有人為決策中心，管理其生命歷程所有與金流相關之管理活動。一般的理財規劃系統由客戶提供基本資料、財務狀況，以及個人對於不同理財目標與對未來情勢之看法等訊息，試算出在不同情勢下，不同時期的現金流量變化。若試算出來的理財結果，無法滿足客戶需求，則須不斷調整可調變的決策變數，以求得可以接受的理財規劃方案。此種試誤式的若則分析方法，無法保證求得最佳的規劃結果，亦無法分析當模式參數改變時，理財方案的應變方案。
解決此問題最根本的做法，是由規劃人以其偏好，設定不同的理財目標或限制其彈性(模糊)空間，以及對不同理財目標的重要性，利用數學規劃方法設計出最佳的理財計畫，以提供決策依據。
由於財務規劃者對於這些可藉支出達成的多重生活目標之重要性期望並不相同，同時這些目標的設定亦具備模糊特性，因此本研究以包含不同目標與限制權重之模糊規劃法，建構整合不同個人理財構面(包括收入、支出、房屋、子女教育等不同構面)之數學規劃模型，以期在設定目標下，完成理財規劃目標。研究中，並採用層級分析法(AHP)設定財務規劃者對於不同目標的偏好權重。

Personal financial planning, regarding wealth holder as the decision center, is planned to manage all of the money activities during planner lifetime.
Traditional financial planning procedure began from offering the planner’s initial financial situation, his/her financial goals, and expectations for the future, etc., and then calculated the future cash flow for different time periods of the planner under variant scenarios. Once the planning result cannot meet planner's expectation, one must adjust the tunable parameters continuously until obtaining an acceptable financial plan. Such a “trial-error” or so-called “whit-if analysis” method cannot promise to achieve the optimal planning result, and, in addition, it cannot afford to analyze how the financial plan will be modified when parameters change.
The fundamental approach to solve such a problem is, firstly, setting the financial goals, theirs flexibility, and the importance of each goal by planners as objectives and, secondly, setting different time period cash flow relationship for each decision as constraints. By applying multiple criteria mathematical programming techniques to solve the derived model, an acceptable or even optimal solution of financial plan can be achieved.
Since financial planners are not the same in expectation to the importance of various life goals, and the setting of the goals also possesses the “fuzzy characteristic”, this research adopts fuzzy goal programming approach to consider the different goals (including the income, expenditure, housing, children education, etc.) and their weights to construct a personal financial planning model to optimal the financial plan. AHP method proposed by Saaty is applied in this thesis to determine the preference weights for different objectives as well.

中文摘要 i
英文摘要 ii
目　錄 iii
表目錄 iv
圖目錄 v
第一章 緒論 1
第一節 研究動機與範圍 1
第二節 論文架構 4
第二章　文獻回顧 6
第一節 理財規劃分析實例與改進方向 6
第二節 個人理財規劃 14
第三節 模糊目標規劃 23
第三章　理財規劃模糊目標規劃模型 30
第四章　實例探討 39
第一節 模型I — 考慮兩理財目標之理財規劃模型 40
第二節 模型II — 考慮七個理財目標之理財規劃模型 43
第三節 模型III — 考慮理財目標及其偏好權重之理財規劃模型 51
第五章　理財規劃決策支援系統 53
第一節 系統目的 53
第二節 系統應用模型 54
第三節 系統功能與操作流程 54
第四節 雛形系統操作實例 55
第六章 以層級分析法決定目標權重 61
第七章 結論與未來研究 66
參考文獻 67

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