1. The investment income and risks of comprehensive financial services are obtained or borne by the client or the client and the bank in an agreed manner. Compared with financial advisory service, personalized service is more prominent.
2. Generally speaking, wealth management business is a basic service for all customers, wealth management business is a service for middle and high-end customers, and private banking business is a service only for high-net-worth customers.
3. Financial planners have the professional characteristics of consulting, professionalism, comprehensiveness, standardization, long-term and dynamic.
4. "4e" consists of education, examination, experience and morality.
5. The socialist legal system with Chinese characteristics is an organic and unified whole with the Constitution as the commander, the law as the main body, administrative regulations and local regulations as important components, and many legal departments such as the Constitution, civil and commercial law, administrative law, economic law, social law, criminal law, litigation and non-litigation procedure law.
6. A legal person is an organization that has the capacity for civil rights and civil conduct, enjoys civil rights and undertakes civil obligations independently according to law.
7. According to the different causes of agency, agents can be divided into entrusted agents and legal agents.
8. The parties may conclude a contract in writing, orally or in other forms. If laws and administrative regulations stipulate that it should be in writing, it should be in writing. If the parties agree to use written form, it shall be in written form.
If there is any dispute about the understanding of the standard terms, it shall be interpreted according to the usual understanding. If there are more than two interpretations of the standard terms, an interpretation that is unfavorable to the party providing the standard terms shall be made. If the standard terms are inconsistent with the non-standard terms, the non-standard terms shall be adopted.
10. According to the relevant provisions of the Civil Code, a contract signed on the basis of a third party's gross misunderstanding, fraud, fraud or coercion is a revocable contract.
1 1. The liabilities for breach of contract mainly include continuing to perform, paying liquidated damages, compensating for losses, observing the penalty of deposit and taking remedial measures.
12. If a third party provides a guarantee for the debtor to the creditor, it may require the debtor to provide a counter-guarantee.
13. The debts incurred by one spouse in his own name during the marriage relationship that exceed the daily needs of the family are not the same debts of the husband and wife: however, the creditor can prove that the debts are used for the life, production and operation of the husband and wife, or expressed on the basis of the same meaning of the husband and wife.
14. Partners may make capital contributions in cash, in kind, intellectual property rights, land use rights or other property rights and labor services.
15. A limited partnership enterprise is established by more than two partners and less than fifty partners; However, unless otherwise provided by law. A limited partnership enterprise shall have at least one general partner.
16. Individuals who bring foreign currency cash with the equivalent of more than US$ 5,000 into the country shall make a written declaration to the customs. Those who enter the country for multiple times on the same day or in a short period of time, regardless of the amount of foreign currency cash they carry, shall make a written declaration to the customs for the second time or multiple times.
17. If an individual carries foreign currency cash out of the country without or exceeding the data record of the latest entry declaration of foreign currency cash, and the amount is more than USD 5,000 to USD 654.38+USD 00,000 (inclusive), he should apply to the bank for permission to carry foreign currency out of the country. Individuals going to countries (regions) where there is war, strict foreign exchange control, poor financial situation or financial turmoil really need to take foreign currency cash with the equivalent of 1 10,000 USD or more out of the country, and they need to apply to the foreign exchange bureau where the deposit or foreign exchange purchase bank is located for an Exit Permit with Foreign Exchange.
18. Enterprises are the basis of financial market operation and the demanders of important funds.
19. Generally speaking, bonds have four characteristics: repayment, liquidity, profitability, and priority repayment of remaining assets.
20. The stock range of Shanghai Stock Connect includes Shanghai Stock Exchange 180 Index, Shanghai Stock Exchange 380 Index and A+H listed companies listed on the Shanghai Stock Exchange. Among them, Shanghai stocks quoted in currencies other than RMB are not included for the time being, and Shanghai stocks that are subject to risk warning or delisting or suspended from listing are not included for the time being.
2 1. The stock range of Shenzhen Stock Connect includes Shenzhen Stock Index and Shenzhen Small and Medium-sized Stock Index whose daily average market value of A shares is not less than 6 billion yuan six months before the deadline for regular adjustment and inspection; A+H shares A shares listed on the Shenzhen Stock Exchange, but excluding stocks that have been exposed by the Shenzhen Stock Exchange, suspended from listing, entered the delisting period, and traded in foreign currency.
22, the characteristics of futures contracts:
(1) standardized contract. The standard terms of futures contracts are determined in advance in terms of commodity variety, quality, quantity, delivery time and place;
(2) Most of the performance is through hedging. Only a few futures contracts are delivered in kind, and most contracts are closed before the delivery date;
(3) The futures exchange or clearing company guarantees the performance of the contract.
(4) The contract price has a minimum change unit and a floating limit.
23. The elements of a financial option mainly include the underlying asset or the underlying asset, the buyer of the option, the seller of the option, the exercise price, the expiration date and the option fee.
24. The foreign exchange market has spatial unity and time continuity.
25. Insurance-related principles include insurable interest principle, proximate cause principle, loss compensation principle and utmost good faith principle.
26. The sales principles of bank agent wealth management products include the principle of appropriateness, the principle of objectivity and the principle of avoiding conflicts of interest.
27. There are generally two forms of fund income distribution: cash distribution (cash dividend) and fund share distribution (dividend reinvestment).
28. The factors that affect the income of insurance dividend insurance mainly include the fluctuation of interest rate, the predetermined mortality rate set by insurance companies, the predetermined return on investment and the predetermined operating and management expenses.
29. Generally speaking, bond prices are inversely proportional to changes in interest rates. When interest rates rise, bond prices fall.
30. A fund subsidiary shall establish a risk control system with net capital as the core and implement net capital constraint.
3 1, the fund in the fund is a fund that specializes in investing in other securities investment funds. FOF products mainly invest in other funds, and indirectly hold securities assets such as stocks and bonds by holding other securities investment funds. It is a new type of fund that combines fund product innovation and sales channel innovation.
32. If a fund subsidiary handles specific asset management business for multiple clients, the number of clients in a single asset management plan shall not exceed 200.
33. According to the Administrative Measures for Collective Funds Trust Plans of Trust Companies, the number of natural persons in a single trust plan shall not exceed 50, but the number of natural person investors and qualified institutional investors with a single entrustment amount of more than 3 million yuan is not limited.
34. Private partnership funds consist of general partners and limited partners. General partners are fund managers of private equity funds, and they can form a limited partnership private equity fund together with another 1~49 limited partners.
35, customer information can also be divided into quantitative information and qualitative information, customer financial information is basically quantitative information; Non-financial information, that is, customer basic information and personal interests, career development and expected goals, belongs to qualitative information.
36. Customers can be divided into risk aversion, risk neutrality and risk preference according to their attitudes towards risk.
37. In general, banks define customers with AUM below 500,000 yuan as mass customers, customers with AUM between 500,000 yuan and 6 million yuan as VIP customers, and customers with AUM above 6 million yuan as private banking customers.
38. The life cycle of a family can generally be divided into four stages: formation stage, growth stage, maturity stage and aging stage.
39. The rate of return is the key factor to determine the degree of currency appreciation in the future, while the inflation rate is the key factor to reduce the purchasing power of currency.
40. The final value is proportional to the interest rate, and the final value is proportional to the time. The longer the time, the higher the interest rate and the greater the final value. The final value is inversely proportional to the inflation rate, and the higher the inflation rate, the smaller the final value.
4 1. Annuity (ordinary annuity) refers to a series of cash flows with the same time interval, uninterrupted, equal amount and the same direction in a certain period.
42. The quantitative information of customers is mainly collected by financial planners, and the qualitative information is mainly based on the observation and understanding in the process of communication with customers.
Financial planners need to follow up and review customers' planning plans regularly or irregularly, and provide long-term follow-up services.
44. Personal finance business is a banking business based on the principal-agent relationship. This is a personalized comprehensive service activity.
45. subrogation inheritance: If the decedent's children died before the decedent, the descendants of the decedent's children are directly related to subrogation inheritance; If the decedent's brother or sister died before the decedent, the children of the decedent's brother or sister in subrogation inheritance; Subrogation inheritance people can only inherit the share that subrogation inheritance people are entitled to inherit.
46. Investor identity information shall be kept for at least 20 years from the year when the business relationship ends, and other information related to fund sales business shall be kept for at least 20 years from the year when the business occurs.
47. Each branch of a commercial bank can only cooperate with no more than 100 insurance companies to carry out insurance agency business in the same fiscal year.
48. Compared with stock and bond investment, the investment market of commodities and derivatives is scattered, volatile and highly leveraged. Therefore, the income performance of such wealth management products often shows great volatility and risk.
49. When a sole proprietorship enterprise is dissolved, the investor shall liquidate it by himself or the creditor shall apply to the people's court to appoint a liquidator for liquidation. Investors who liquidate themselves shall notify creditors in writing within 15 days before liquidation. If it is impossible to notify, it shall be announced. Creditors shall declare their creditor's rights to investors within 30 days from the date of receiving the notice, or within 60 days from the date of announcement if they have not received the notice.
50. When a fund sales organization sells private equity funds that comply with laws and regulations and the provisions of the China Securities Regulatory Commission, it shall conduct careful investigation and risk assessment on the private equity funds to be sold, and fully understand the investment scope, investment strategy, investment concentration, leverage level and risk-return characteristics of the products.
The contents of the professional qualification examination for banks:
1. required subjects: banking laws and regulations and comprehensive ability
Examination purpose: Through the undergraduate purpose examination, test candidates' ability to analyze and judge problems and handle basic business by using basic banking knowledge, banking-related laws and regulations, basic principles of banking practitioners and professional ethics.
Mainly investigate knowledge points: economic and financial basis, banking business, banking management, legal basis of banking practice, banking supervision and self-discipline.
2. Elective Subject: Banking Professional Practice-Banking Management
Purpose of the examination: Through the examination of this professional category, we can examine whether the candidates have reached the qualification level of banking managers and have the ability to perform the duties that match the positions, including mastering the relevant economic and financial systems and regulations, managing banking financial institutions, and protecting the rights and interests of financial consumers. And highlight the practical application and control ability of compliance management of banking financial institutions, risk control points of various basic businesses and corresponding regulatory requirements.
The main knowledge points are: economic policy, supervision system, basic banking business, banking management and innovation, non-bank financial institutions and business, internal control, compliance management and audit, banking risk management, protection of banking consumer rights and social responsibility.
3. Elective Subject: Banking Professional Practice-Risk Management
Purpose of the examination: Based on the authoritative framework system of domestic and foreign regulatory standards, the risk management examination closely combines the basic practice of domestic banking business and risk management, unifies the basic concepts and terms of risk management according to the basic cognition of all employees of banking institutions, especially grass-roots employees, grasps the basic knowledge of risk management, risk culture, risk limit, risk preference and three lines of defense, and pays attention to the credit risk and operational risk related to grass-roots practical work.
The main knowledge points are: risk management foundation, risk management system, capital management, credit risk management, market risk management, operational risk management, liquidity risk management, country risk management, reputation risk and strategic risk management, other risk management, stress testing, risk assessment and capital assessment, banking supervision and market restraint.
4. Elective course: banking professional practice-personal finance.
Examination purpose: to test the mastery of personal financial basic knowledge and skills, including the application of professional knowledge and skills such as financial investment market, financial products and financial business management, through the undergraduate examination; Test candidates' mastery of laws and regulations related to personal financial services, customer classification and demand analysis, and financial calculation tools. Comprehensive use of the knowledge and skills of this discipline, legal compliance to do a good job in personal finance business.
The main knowledge points are: personal finance, laws and regulations related to personal finance business, financial investment market, financial products, customer classification and demand analysis, financial planning calculation tools and methods, work flow and methods of financial planners, financial service skills of financial planners and other laws and regulations related to personal finance business.
5. Elective Subject: Banking Professional Practice-Corporate Credit
Purpose of the examination: To test the ability of candidates to handle the basic business of bank corporate credit by using the relevant knowledge in the field of bank corporate credit, including the basic knowledge, operation process, analysis method and management requirements of corporate credit, as well as the relevant laws and regulations of corporate credit.
The main knowledge points are: enterprise credit, loan application acceptance and pre-loan investigation, loan demand analysis, loan environmental risk analysis, loan environmental risk analysis, customer analysis and credit rating, guarantee management, credit approval, loan contract and payment, post-loan management, loan risk classification and loan loss reserve provision, and non-performing loan management.
6. Elective course "Banking Professional Practice-Personal Loan"
Examination purpose: Through the undergraduate purpose examination, test the candidates' ability to use the relevant knowledge of personal loan business in banks, including the basic knowledge and business management of personal loans, operational processes and risk management of various business types, and laws and regulations related to personal loans. , handle the basic business of bank personal loans.
Mainly investigate knowledge points: personal loan business foundation, personal loan management, personal housing loan, personal consumption loan, personal business loan, credit card business, personal credit information system.