《個人理財講義·真題·預測全攻略》是一本於2017年3月1日清華大學出版社出版的圖書，作者是銀行業從業人員資格認證考試教材編寫組。
基本介紹
- 書名：個人理財講義·真題·預測全攻略
- 出版時間：2017年3月1日
- 印次：1-1
基本信息,圖書簡介,圖書目錄,作者介紹,
基本信息
作者：銀行業從業人員資格認證考試教材編寫組
定價：39元
印次：1-1
ISBN：9787302464532
出版日期：2017年3月1日
印刷日期：2017年3月3日
定價：39元
印次：1-1
ISBN：9787302464532
出版日期：2017年3月1日
印刷日期：2017年3月3日
圖書簡介
本書是銀行業專業人員職業資格考試“個人理財”科目的輔導教材，是為中國銀行業從業人員而設計，內容緊扣考試大綱，基本覆蓋了銀行業從業人員應知應會的知識、技能、法律法規和職業操守。本書突出國內銀行業實踐，兼顧國際銀行業發展狀況和趨勢，緊扣考試大綱。堅持理論與實踐相結合，以實踐為主；知識與技能相結合，以技能為主的原則。內容包括個人理財概述、個人理財業務相關法律法規、理財投資市場概述、理財產品概述、客戶分類與需求分析、理財規劃計算工具與方法、理財師的工作流程和方法七大部分。
圖書目錄
第1章 個人理財概述
第1節 個人理財相關定義 ·····················1
考點1 個人理財相關定義 ···················1
考點2 個人理財業務相關主體 ···········2
考點3 銀行個人理財業務分類 ···········3
第2節 個人理財業務的發展及原因 ·······5
考點1 個人理財業務的發展 ···············5
考點2 國內個人理財業務迅速發展的原因 ······················5
第3節 理財師的執業資格和要求 ··········7
考點1 理財師隊伍狀況 ·······················7
考點2 理財師的職業特徵 ·················10
考點3 理財師的執業資格 ·················11
本章考點自測 ·······································17
第2章 個人理財業務相關法律法規
第1節 理財師的法律法規基礎知識 ·····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 民事法律關係介紹 ·················23
考點4 契約法律關係 ·························26
第2節 理財規劃中的法律法規 ············29
考點1 物權法 ·····································29
...
考點2婚姻法·····································33
考點3個人獨資企業法和合夥企業法···34
目錄
VIII個人理財講義·真題·預測全攻略
第3節理財產品及銷售相關法律法規·······37
考點1商業銀行理財產品涉及的重要法律法規·············37
考點2基金代銷業務涉及的法律法規···41
考點3保險代理業務涉及的相關法律法規····················45
考點4銀信理財業務涉及的法律法規···47
考點5黃金期貨交易業務涉及的法律法規····················48
考點6個人外匯管理涉及的法律法規···49
本章考點自測·······································53
第3章理財投資市場概述
第1節金融市場概述··························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節金融市場分類··························71
考點1有形市場和無形市場·············71
考點2發行市場和流通市場·············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信託產品·······························121
考點6貴金屬···································123
考點7券商資產管理計畫···············125
第3節其他理財產品························126
考點1股票·······································126
考點2中小企業私募債···················128
考點3基金子公司產品···················130
考點4合夥制私募基金···················133
本章考點自測·····································140
第5章客戶分類與需求分析
第1節了解客戶需求的重要性··········150
考點1企業經營理念發展的趨勢···150
考點2理財師工作職責的要求·······150
考點3理財服務規範和質量的要求·····151
第2節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係·····156
第4節了解客戶的方法·····················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·····································161
X個人理財講義·真題·預測全攻略
第6章理財規劃計算工具與方法
第1節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···········170
考點3現值與終值的計算···············170
考點472法則···································171
考點5有效利率的計算···················172
第2節規則現金流的計算·················172
考點1期末年金與期初年金···········172
考點2永續年金·······························173
考點3增長型年金···························174
第3節不規則現金流的計算·············174
考點1淨現值(NPV)·························174
考點2內部回報率(IRR)··················175
第4節理財規劃計算工具·················175
考點1複利與年金係數表···············175
考點2財務計算器···························177
考點3Excel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劃中的套用··················181
本章考點自測·····································184
第7章理財師的工作流程和方法
第1節概述·······································187
第2節接觸客戶、建立信任關係······188
考點1接觸客戶·······························188
考點2建立信任關係·······················189
考點3需要告知客戶的理財服務信息··························190
第3節分析客戶家庭財務現狀··········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分析客戶財務現狀···············193
目錄XI
第4節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節制定理財規劃方案·················196
考點1理財規劃方案的內容···········196
考點2制定和提交書面理財規劃方案···························199
第6節理財規劃方案的執行·············199
考點1執行理財規劃方案的原則···199
考點2執行理財規劃方案的注意因素··························200
考點3客戶檔案管理·······················201
第7節後續跟蹤服務························201
考點1後續跟蹤服務的必要性·······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劃的螺旋式提升···········202
本章考點自測·····································203
作者介紹
杜友麗，東北財經大學會計學碩士，高級會計師，國際註冊內容審計師，金融理財師。現就職於大連理工大學，兼任大連市政府採購評審專家、大連理工大學招標評審專家。
