First, personal finance.
(a) familiar with the relevant subjects of personal finance business;
(2) Master the classification of personal financial services of banks;
(three) to understand the development of personal finance business at home and abroad;
(four) to understand the team status and professional characteristics of financial planners;
(five) master the qualification requirements of financial planners.
Second, personal finance business related laws and regulations
(a) familiar with the legal system of China;
(two) familiar with the provisions of the General Principles of the Civil Law and the Contract Law related to personal finance business;
(3) Master the provisions related to personal finance business in Property Law, Marriage Law and Inheritance Law;
(4) Being familiar with the provisions related to personal financial services in the Law on Sole proprietorship enterprises and the Law on Partnership Enterprises;
(five) to master all kinds of wealth management products and their sales related laws and regulations.
Third, the financial investment market
(a) to master the characteristics, functions and classification of financial markets;
(two) master the money market and its application in personal finance;
(3) Mastering the bond market and its application in personal finance;
(four) master the stock market and its application in personal finance;
(five) to master the financial derivatives market and its application in personal finance;
(six) master the foreign exchange market and its application in personal finance;
(seven) to master the insurance market and its application in personal finance;
(eight) familiar with the use of precious metals and other investment markets in personal finance.
Fourth, wealth management products
(1) Mastering the classification, elements, risks and legal characteristics of bank wealth management products and structured deposits;
(two) to master the classification, elements, risks and legal characteristics of funds;
(3) Mastering the classification, elements, risks and legal features of insurance products;
(four) to master the classification, elements, risks and legal characteristics of national debt;
(5) Mastering the classification, elements, risks and legal characteristics of trust products;
(six) familiar with the classification, elements, risks and legal characteristics of precious metal products;
(7) Familiar with the asset management plan of securities companies, products of fund subsidiaries, futures asset management products, partnership private equity funds and other financial 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.