2017-2018銀行從業(yè)資格考試教材個人理財講義真題預(yù)測全攻略

　　本書是銀行業(yè)專業(yè)人員職業(yè)資格考試“個人理財”科目的輔導(dǎo)教材，是為中國銀行業(yè)從業(yè)人員而設(shè)計，內(nèi)容緊扣考試大綱，基本覆蓋了銀行業(yè)從業(yè)人員應(yīng)知應(yīng)會的知識、技能、法律法規(guī)和職業(yè)操守。本書突出國內(nèi)銀行業(yè)實(shí)踐，兼顧國際銀行業(yè)發(fā)展?fàn)顩r和趨勢，緊扣考試大綱。堅持理論與實(shí)踐相結(jié)合，以實(shí)踐為主；知識與技能相結(jié)合，以技能為主的原則。內(nèi)容包括個人理財概述、個人理財業(yè)務(wù)相關(guān)法律法規(guī)、理財投資市場概述、理財產(chǎn)品概述、客戶分類與需求分析、理財規(guī)劃計算工具與方法、理財師的工作流程和方法七大部分。

　　杜友麗，東北財經(jīng)大學(xué)會計學(xué)碩士，高級會計師，國際注冊內(nèi)容審計師，金融理財師。現(xiàn)就職于大連理工大學(xué)，兼任大連市政府采購評審專家、大連理工大學(xué)招標(biāo)評審專家。【媒體評論】評論【目錄】第1章個人理財概述第1節(jié)個人理財相關(guān)定義·····················1考點(diǎn)1 個人理財相關(guān)定義···················1考點(diǎn)2 個人理財業(yè)務(wù)相關(guān)主體···········2考點(diǎn)3 銀行個人理財業(yè)務(wù)分類···········3第2節(jié)個人理財業(yè)務(wù)的發(fā)展及原因·······5考點(diǎn)1 個人理財業(yè)務(wù)的發(fā)展···············5考點(diǎn)2 國內(nèi)個人理財業(yè)務(wù)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(diǎn)1 理財師隊伍狀況·······················7考點(diǎn)2 理財師的職業(yè)特征·················10考點(diǎn)3 理財師的執(zhí)業(yè)資格·················11本章考點(diǎn)自測·······································17第2章個人理財業(yè)務(wù)相關(guān)法律法規(guī)第1節(jié)理財師的法律法規(guī)基礎(chǔ)知識·····22考點(diǎn)1 法律知識的重要性·················22考點(diǎn)2 中國的法律體系·····················22考點(diǎn)3 民事法律關(guān)系介紹·················23考點(diǎn)4 合同法律關(guān)系·························26第2節(jié)理財規(guī)劃中的法律法規(guī)············29考點(diǎn)1 物權(quán)法·····································29考點(diǎn)2 婚姻法·····································33考點(diǎn)3 個人獨(dú)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(yù)測全攻略第3節(jié)理財產(chǎn)品及銷售相關(guān)法律法規(guī)······· 37考點(diǎn)1 商業(yè)銀行理財產(chǎn)品涉及的重要法律法規(guī)·············37考點(diǎn)2 基金代銷業(yè)務(wù)涉及的法律法規(guī)···41考點(diǎn)3 保險代理業(yè)務(wù)涉及的相關(guān)法律法規(guī)····················45考點(diǎn)4 銀信理財業(yè)務(wù)涉及的法律法規(guī)···47考點(diǎn)5 黃金期貨交易業(yè)務(wù)涉及的法律法規(guī)····················48考點(diǎn)6 個人外匯管理涉及的法律法規(guī)···49本章考點(diǎn)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(diǎn)1 金融市場的概念·····················65考點(diǎn)2 金融市場的特點(diǎn)·····················66考點(diǎn)3 金融市場的構(gòu)成要素·············66考點(diǎn)4 金融市場功能·························70第2節(jié)金融市場分類 ·························· 71考點(diǎn)1 有形市場和無形市場·············71考點(diǎn)2 發(fā)行市場和流通市場·············71考點(diǎn)3 貨幣市場和資本市場·············72考點(diǎn)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(diǎn)1 貨幣市場介紹·························75考點(diǎn)2 債券市場介紹·························77考點(diǎn)3 股票市場介紹·························80考點(diǎn)4 金融衍生品市場介紹·············83考點(diǎn)5 外匯市場介紹·························86考點(diǎn)6 保險市場介紹·························88考點(diǎn)7 貴金屬市場及其他投資市場介紹························92本章考點(diǎn)自測······································· 96第4章理財產(chǎn)品概述第1節(jié)銀行理財產(chǎn)品 ························ 107考點(diǎn)1 銀行理財產(chǎn)品概述···············107考點(diǎn)2 銀行理財產(chǎn)品分類及特點(diǎn)···108目錄IX考點(diǎn)3 銀行理財產(chǎn)品風(fēng)險及法律約束··························· 111第2節(jié)銀行代理理財產(chǎn)品················· 112考點(diǎn)1 銀行代理理財產(chǎn)品概述······· 112考點(diǎn)2 基金······································· 113考點(diǎn)3 保險······································· 117考點(diǎn)4 國債······································· 118考點(diǎn)5 信托產(chǎn)品·······························121考點(diǎn)6 貴金屬···································123考點(diǎn)7 券商資產(chǎn)管理計劃···············125第3節(jié)其他理財產(chǎn)品 ························ 126考點(diǎn)1 股票·······································126考點(diǎn)2 中小企業(yè)私募債···················128考點(diǎn)3 基金子公司產(chǎn)品···················130考點(diǎn)4 合伙制私募基金···················133本章考點(diǎn)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(diǎn)1 企業(yè)經(jīng)營理念發(fā)展的趨勢···150考點(diǎn)2 理財師工作職責(zé)的要求·······150考點(diǎn)3 理財服務(wù)規(guī)范和質(zhì)量的要求·····151第2節(jié)了解客戶的主要內(nèi)容············· 151考點(diǎn)1 了解客戶的主要內(nèi)容···········151考點(diǎn)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(diǎn)1 不同的客戶分類方法···········154考點(diǎn)2 生命周期與客戶需求的關(guān)系·····156第4節(jié)了解客戶的方法 ····················· 160考點(diǎn)1 開戶資料·······························160考點(diǎn)2 調(diào)查問卷·······························160考點(diǎn)3 面談溝通·······························160考點(diǎn)4 電話溝通·······························161本章考點(diǎn)自測····································· 161X 個人理財講義·真題·預(yù)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(diǎn)1 貨幣時間價值概念與影響因素··························169考點(diǎn)2 時間價值的基本參數(shù)···········170考點(diǎn)3 現(xiàn)值與終值的計算···············170考點(diǎn)4 72法則···································171考點(diǎn)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(diǎn)1 期末年金與期初年金···········172考點(diǎn)2 永續(xù)年金·······························173考點(diǎn)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(diǎn)1 凈現(xiàn)值（NPV） ·························174考點(diǎn)2 內(nèi)部回報率（IRR） ··················175第4節(jié)理財規(guī)劃計算工具················· 175考點(diǎn)1 復(fù)利與年金系數(shù)表···············175考點(diǎn)2 財務(wù)計算器···························177考點(diǎn)3 Excel的使用··························180考點(diǎn)4 金融理財工具的特點(diǎn)及比較·····181考點(diǎn)5 貨幣時間價值在理財規(guī)劃中的應(yīng)用··················181本章考點(diǎn)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(guān)系······ 188考點(diǎn)1 接觸客戶·······························188考點(diǎn)2 建立信任關(guān)系·······················189考點(diǎn)3 需要告知客戶的理財服務(wù)信息··························190第3節(jié)分析客戶家庭財務(wù)現(xiàn)狀·········· 191考點(diǎn)1 收集客戶信息的必要性和基本技巧···················191考點(diǎn)2 客戶信息的內(nèi)容···················192考點(diǎn)3 客戶信息的整理···················193考點(diǎn)4 分析客戶財務(wù)現(xiàn)狀···············193目錄XI第4節(jié)明確客戶的理財目標(biāo)············· 193考點(diǎn)1 理財目標(biāo)的內(nèi)容···················193考點(diǎn)2 理財目標(biāo)確定的原則···········195考點(diǎn)3 確定理財目標(biāo)的步驟···········195第5節(jié)制定理財規(guī)劃方案················· 196考點(diǎn)1 理財規(guī)劃方案的內(nèi)容···········196考點(diǎn)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(diǎn)1 執(zhí)行理財規(guī)劃方案的原則···199考點(diǎn)2 執(zhí)行理財規(guī)劃方案的注意因素··························200考點(diǎn)3 客戶檔案管理·······················201第7節(jié)后續(xù)跟蹤服務(wù) ························ 201考點(diǎn)1 后續(xù)跟蹤服務(wù)的必要性·······201考點(diǎn)2 實(shí)施方案跟蹤和評估服務(wù)···202考點(diǎn)3 不定期評估和方案調(diào)整·······202考點(diǎn)4 從跟蹤服務(wù)到綜合規(guī)劃的螺旋式提升···········202本章考點(diǎn)自測····································· 203