银行业专业实务个人理财讲义.真题.预测全攻略
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银行业专业实务个人理财讲义.真题.预测全攻略作者:本书编委会 开 本:32开 书号ISBN:9787302464532 定价: 出版时间:2017-03-01 出版社:清华大学出版社 |
银行业专业实务个人理财讲义.真题.预测全攻略 本书特色
本书是银行业专业人员职业资格考试“个人理财”科目的辅导教材,是为中国银行业从业人员而设计,内容紧扣考试大纲,基本覆盖了银行业从业人员应知应会的知识、技能、法律法规和职业操守。 本书突出国内银行业实践,兼顾国际银行业发展状况和趋势,紧扣考试大纲。坚持理论与实践相结合,以实践为主;知识与技能相结合,以技能为主的原则。内容包括个人理财概述、个人理财业务相关法律法规、理财投资市场概述、理财产品概述、客户分类与需求分析、理财规划计算工具与方法、理财师的工作流程和方法七大部分。
银行业专业实务个人理财讲义.真题.预测全攻略 内容简介
本丛书内容全面,资料新颖,理论联系实际,语言通俗,习题典型,可供广大银行业从业人员参考,是广大应考者顺利通过考试的**书籍。具体来说,本丛书具有以下四大特点。(一) 权威性本系列书严格依据*的考试大纲编写,在总结历年真题的基础上,精确预测常考、易考的知识点,确保不会有所遗漏。(二) 配套性在写作的过程中,注重知识点的讲解和习题的搭配,每一个知识点都配有相应考题,让考生学练结合,方便对知识的巩固。(三) 图解性本丛书在写作过程中尽量用图、表的形式将大量、复杂的文字信息进行展示,分清各个知识点的层次脉络,便于考生记忆。(四) 规范性众所周知,历年真题是*好的练习题,本丛书在例题的选取上,以历年真题为主,让考生充分了解考试的重点、难点,有的放矢,提高命中率。同时,每章课后还配备了高保真模拟题,让考生提高实战能力和应变能力。
银行业专业实务个人理财讲义.真题.预测全攻略 目录
第1章 个人理财概述 第1节 个人理财相关定义 ·····················1 考点1 个人理财相关定义 ···················1 考点2 个人理财业务相关主体 ···········2 考点3 银行个人理财业务分类 ···········3 第2节 个人理财业务的发展及原因 ·······5 考点1 个人理财业务的发展 ···············5 考点2 国内个人理财业务迅速发展的原因 ······················5 第3节 理财师的执业资格和要求 ··········7 考点1 理财师队伍状况 ·······················7 考点2 理财师的职业特征 ·················10 考点3 理财师的执业资格 ·················11 本章考点自测 ·······································17 第2章 个人理财业务相关法律法规 第1节 理财师的法律法规基础知识 ·····22 考点1 法律知识的重要性 ·················22 考点2 中国的法律体系 ·····················22 考点3 民事法律关系介绍 ·················23 考点4 合同法律关系 ·························26 第2节 理财规划中的法律法规 ············29 考点1 物权法 ·····································29 考点2 婚姻法 ·····································33 考点3 个人独资企业法和合伙企业法 ···34 目 录 VIII 个人理财讲义·真题·预测全攻略 第3节 理财产品及销售相关法律法规 ······· 37 考点1 商业银行理财产品涉及的重要法律法规 ·············37 考点2 基金代销业务涉及的法律法规 ···41 考点3 保险代理业务涉及的相关法律法规 ····················45 考点4 银信理财业务涉及的法律法规 ···47 考点5 黄金期货交易业务涉及的法律法规 ····················48 考点6 个人外汇管理涉及的法律法规 ···49 本章考点自测 ······································· 53 第3章 理财投资市场概述 第1节 金融市场概述 ·························· 65 考点1 金融市场的概念 ·····················65 考点2 金融市场的特点 ·····················66 考点3 金融市场的构成要素 ·············66 考点4 金融市场功能 ·························70 第2节 金融市场分类 ·························· 71 考点1 有形市场和无形市场 ·············71 考点2 发行市场和流通市场 ·············71 考点3 货币市场和资本市场 ·············72 考点4 直接融资市场和间接融资市场 ···73 第3节 理财投资市场介绍 ··················· 75 考点1 货币市场介绍 ·························75 考点2 债券市场介绍 ·························77 考点3 股票市场介绍 ·························80 考点4 金融衍生品市场介绍 ·············83 考点5 外汇市场介绍 ·························86 考点6 保险市场介绍 ·························88 考点7 贵金属市场及其他投资市场介绍 ························92 本章考点自测 ······································· 96 第4章 理财产品概述 第1节 银行理财产品 ························ 107 考点1 银行理财产品概述 ···············107 考点2 银行理财产品分类及特点 ···108 目 录IX 考点3 银行理财产品风险及法律约束 ··························· 111 第2节 银行代理理财产品 ················· 112 考点1 银行代理理财产品概述 ······· 112 考点2 基金 ······································· 113 考点3 保险 ······································· 117 考点4 国债 ······································· 118 考点5 信托产品 ·······························121 考点6 贵金属 ···································123 考点7 券商资产管理计划 ···············125 第3节 其他理财产品 ························ 126 考点1 股票 ·······································126 考点2 中小企业私募债 ···················128 考点3 基金子公司产品 ···················130 考点4 合伙制私募基金 ···················133 本章考点自测 ····································· 140 第5章 客户分类与需求分析 第1节 了解客户需求的重要性 ·········· 150 考点1 企业经营理念发展的趋势 ···150 考点2 理财师工作职责的要求 ·······150 考点3 理财服务规范和质量的要求 ·····151 第2节 了解客户的主要内容 ············· 151 考点1 了解客户的主要内容 ···········151 考点2 客户需求分析 ·······················152 第3节 客户分类与客户需求分析 ······ 154 考点1 不同的客户分类方法 ···········154 考点2 生命周期与客户需求的关系 ·····156 第4节 了解客户的方法 ····················· 160 考点1 开户资料 ·······························160 考点2 调查问卷 ·······························160 考点3 面谈沟通 ·······························160 考点4 电话沟通 ·······························161 本章考点自测 ····································· 161 X 个人理财讲义·真题·预测全攻略 第6章 理财规划计算工具与方法 第1节 货币时间价值的基本概念 ······ 169 考点1 货币时间价值概念与影响因素 ··························169 考点2 时间价值的基本参数 ···········170 考点3 现值与终值的计算 ···············170 考点4 72法则 ···································171 考点5 有效利率的计算 ···················172 第2节 规则现金流的计算 ················· 172 考点1 期末年金与期初年金 ···········172 考点2 永续年金 ·······························173 考点3 增长型年金 ···························174 第3节 不规则现金流的计算 ············· 174 考点1 净现值(NPV) ·························174 考点2 内部回报率(IRR) ··················175 第4节 理财规划计算工具 ················· 175 考点1 复利与年金系数表 ···············175 考点2 财务计算器 ···························177 考点3 Excel的使用 ··························180 考点4 金融理财工具的特点及比较 ·····181 考点5 货币时间价值在理财规划中的应用 ··················181 本章考点自测 ····································· 184 第7章 理财师的工作流程和方法 第1节 概述 ······································· 187 第2节 接触客户、建立信任关系 ······ 188 考点1 接触客户 ·······························188 考点2 建立信任关系 ·······················189 考点3 需要告知客户的理财服务信息 ··························190 第3节 分析客户家庭财务现状 ·········· 191 考点1 收集客户信息的必要性和基本技巧 ···················191 考点2 客户信息的内容 ···················192 考点3 客户信息的整理 ···················193 考点4 分析客户财务现状 ···············193 目 录XI 第4节 明确客户的理财目标 ············· 193 考点1 理财目标的内容 ···················193 考点2 理财目标确定的原则 ···········195 考点3 确定理财目标的步骤 ···········195 第5节 制定理财规划方案 ················· 196 考点1 理财规划方案的内容 ···········196 考点2 制定和提交书面理财规划方案 ···························199 第6节 理财规划方案的执行 ············· 199 考点1 执行理财规划方案的原则 ···199 考点2 执行理财规划方案的注意因素 ··························200 考点3 客户档案管理 ·······················201 第7节 后续跟踪服务 ························ 201 考点1 后续跟踪服务的必要性 ·······201 考点2 实施方案跟踪和评估服务 ···202 考点3 不定期评估和方案调整 ·······202 考点4 从跟踪服务到综合规划的螺旋式提升 ···········202 本章考点自测 ····································· 203
考试 财税外贸保险类考试 银行业从业人员资格认证考试
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