杜友麗，東北財經大學會計學碩士，高級會計師，國際注冊內容審計師，金融理財師?，F(xiàn)就職于大連理工大學，兼任大連市政府采購評審專家、大連理工大學招標評審專家?！久襟w評論】評論【目錄】第1章個人理財概述第1節(jié)個人理財相關定義·····················1考點1 個人理財相關定義···················1考點2 個人理財業(yè)務相關主體···········2考點3 銀行個人理財業(yè)務分類···········3第2節(jié)個人理財業(yè)務的發(fā)展及原因·······5考點1 個人理財業(yè)務的發(fā)展···············5考點2 國內個人理財業(yè)務迅速發(fā)展的原因······················5第3節(jié)理財師的執(zhí)業(yè)資格和要求··········7考點1 理財師隊伍狀況·······················7考點2 理財師的職業(yè)特征·················10考點3 理財師的執(zhí)業(yè)資格·················11本章考點自測·······································17第2章個人理財業(yè)務相關法律法規(guī)第1節(jié)理財師的法律法規(guī)基礎知識·····22考點1 法律知識的重要性·················22考點2 中國的法律體系·····················22考點3 民事法律關系介紹·················23考點4 合同法律關系·························26第2節(jié)理財規(guī)劃中的法律法規(guī)············29考點1 物權法·····································29考點2 婚姻法·····································33考點3 個人獨資企業(yè)法和合伙企業(yè)法···34目錄VIII 個人理財講義·真題·預測全攻略第3節(jié)理財產品及銷售相關法律法規(guī)······· 37考點1 商業(yè)銀行理財產品涉及的重要法律法規(guī)·············37考點2 基金代銷業(yè)務涉及的法律法規(guī)···41考點3 保險代理業(yè)務涉及的相關法律法規(guī)····················45考點4 銀信理財業(yè)務涉及的法律法規(guī)···47考點5 黃金期貨交易業(yè)務涉及的法律法規(guī)····················48考點6 個人外匯管理涉及的法律法規(guī)···49本章考點自測······································· 53第3章理財投資市場概述第1節(jié)金融市場概述 ·························· 65考點1 金融市場的概念·····················65考點2 金融市場的特點·····················66考點3 金融市場的構成要素·············66考點4 金融市場功能·························70第2節(jié)金融市場分類 ·························· 71考點1 有形市場和無形市場·············71考點2 發(fā)行市場和流通市場·············71考點3 貨幣市場和資本市場·············72考點4 直接融資市場和間接融資市場···73第3節(jié)理財投資市場介紹··················· 75考點1 貨幣市場介紹·························75考點2 債券市場介紹·························77考點3 股票市場介紹·························80考點4 金融衍生品市場介紹·············83考點5 外匯市場介紹·························86考點6 保險市場介紹·························88考點7 貴金屬市場及其他投資市場介紹························92本章考點自測······································· 96第4章理財產品概述第1節(jié)銀行理財產品 ························ 107考點1 銀行理財產品概述···············107考點2 銀行理財產品分類及特點···108目錄IX考點3 銀行理財產品風險及法律約束··························· 111第2節(jié)銀行代理理財產品················· 112考點1 銀行代理理財產品概述······· 112考點2 基金······································· 113考點3 保險······································· 117考點4 國債······································· 118考點5 信托產品·······························121考點6 貴金屬···································123考點7 券商資產管理計劃···············125第3節(jié)其他理財產品 ························ 126考點1 股票·······································126考點2 中小企業(yè)私募債···················128考點3 基金子公司產品···················130考點4 合伙制私募基金···················133本章考點自測····································· 140第5章客戶分類與需求分析第1節(jié)了解客戶需求的重要性·········· 150考點1 企業(yè)經營理念發(fā)展的趨勢···150考點2 理財師工作職責的要求·······150考點3 理財服務規(guī)范和質量的要求·····151第2節(jié)了解客戶的主要內容············· 151考點1 了解客戶的主要內容···········151考點2 客戶需求分析·······················152第3節(jié)客戶分類與客戶需求分析······ 154考點1 不同的客戶分類方法···········154考點2 生命周期與客戶需求的關系·····156第4節(jié)了解客戶的方法 ····················· 160考點1 開戶資料·······························160考點2 調查問卷·······························160考點3 面談溝通·······························160考點4 電話溝通·······························161本章考點自測····································· 161X 個人理財講義·真題·預測全攻略第6章理財規(guī)劃計算工具與方法第1節(jié)貨幣時間價值的基本概念······ 169考點1 貨幣時間價值概念與影響因素··························169考點2 時間價值的基本參數(shù)···········170考點3 現(xiàn)值與終值的計算···············170考點4 72法則···································171考點5 有效利率的計算···················172第2節(jié)規(guī)則現(xiàn)金流的計算················· 172考點1 期末年金與期初年金···········172考點2 永續(xù)年金·······························173考點3 增長型年金···························174第3節(jié)不規(guī)則現(xiàn)金流的計算············· 174考點1 凈現(xiàn)值（NPV） ·························174考點2 內部回報率（IRR） ··················175第4節(jié)理財規(guī)劃計算工具················· 175考點1 復利與年金系數(shù)表···············175考點2 財務計算器···························177考點3 Excel的使用··························180考點4 金融理財工具的特點及比較·····181考點5 貨幣時間價值在理財規(guī)劃中的應用··················181本章考點自測····································· 184第7章理財師的工作流程和方法第1節(jié)概述 ······································· 187第2節(jié)接觸客戶、建立信任關系······ 188考點1 接觸客戶·······························188考點2 建立信任關系·······················189考點3 需要告知客戶的理財服務信息··························190第3節(jié)分析客戶家庭財務現(xiàn)狀·········· 191考點1 收集客戶信息的必要性和基本技巧···················191考點2 客戶信息的內容···················192考點3 客戶信息的整理···················193考點4 分析客戶財務現(xiàn)狀···············193目錄XI第4節(jié)明確客戶的理財目標············· 193考點1 理財目標的內容···················193考點2 理財目標確定的原則···········195考點3 確定理財目標的步驟···········195第5節(jié)制定理財規(guī)劃方案················· 196考點1 理財規(guī)劃方案的內容···········196考點2 制定和提交書面理財規(guī)劃方案···························199第6節(jié)理財規(guī)劃方案的執(zhí)行············· 199考點1 執(zhí)行理財規(guī)劃方案的原則···199考點2 執(zhí)行理財規(guī)劃方案的注意因素··························200考點3 客戶檔案管理·······················201第7節(jié)后續(xù)跟蹤服務 ························ 201考點1 后續(xù)跟蹤服務的必要性·······201考點2 實施方案跟蹤和評估服務···202考點3 不定期評估和方案調整·······202考點4 從跟蹤服務到綜合規(guī)劃的螺旋式提升···········202本章考點自測····································· 203
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