I. Explanation of Nouns
1, personal finance--
2. Personal insurance financing--
3. Personal securities financing--
4. Asset allocation strategy--
5. Retirement pension insurance--
6. Basic old-age insurance--
7. Foreign exchange structured deposits-
8. Personal banking wealth management products---
9. Customer market segmentation---
10. Annuity insurance--
1 1. Art investment--
12. Tax planning--
13. Personal foreign exchange financial planning--
14. Personal securities financial planning---
15. Personal insurance wealth management products---
16. Annuity insurance--
17. Personal foreign exchange financing-
18. Personal trust-
19. Personal education investment planning-
Second, fill in the blanks
1, the core of personal financial management is to realize the needs and goals according to the () and () of the financial manager.
2. The goal of personal financial management is to enable customers to achieve () in the whole life process.
3. Personal bank wealth management products have the characteristics of (), () and ().
4. At present, the common personal insurance wealth management products in China's insurance market mainly include (), (), () and ().
5. At present, the personal foreign exchange financing methods in China mainly include (), (), (), () and so on.
6. Personal foreign exchange options are divided into () and (), and their representative products are () and ().
7. Personal trust products mainly include four types, namely (), (), () and ().
8. There are three types of endowment insurance models in the world: (), () and ().
9. Considering the relationship between risks and benefits, the tools that are more suitable for retirement pension financing are: (), (), (), () and some insurance for the elderly.
10, art investment risks are manifested in the following three aspects: (), (), ().
1 1, portfolio can usually be divided into (), () and ().
12. The proportion of customer investment among various asset classes mainly depends on three factors: (), () and ().
13. (), () and () are recognized as the three most profitable investment projects in the world.
14. Real estate investment should be made according to certain steps, and the () of individual buying a house should be properly evaluated.
15. When purchasing insurance wealth management products, we should adhere to the principles of () and ().
16. The optimal asset portfolio determined by the financial planner should be a comprehensive asset portfolio including () and ().
17. There are two main types of macroeconomic factors that affect the financial situation of customers: () and ().
18. The income of personal securities wealth management products mainly includes () and ().
19. The main trading methods of domestic banks offering personal firm foreign exchange transactions are: (), (), (), () and so on.
Third, multiple choice questions
1 and () refer to the goals or expectations that customers will achieve through financial planning.
A, financial objective B, investment objective C, financial objective D, investment objective
2, () refers to the personal wealth manager to buy wealth management products after the use of RMB, to its income in foreign currency.
A. Card wealth management products B. Foreign exchange wealth management products
C. RMB investment in RMB income wealth management products D. RMB investment in foreign currency income wealth management products
3, people's financial goals, no matter what kind of classification, are focused on several aspects: ()
A, reasonable consumption expenditure B, increase of personal wealth C, satisfaction of life expectation
D, personal financial security E, retirement and the accumulation of property behind him
4, from the perspective of the benefits and risks of personal wealth management products, domestic and foreign banks launched the index foreign exchange personal wealth management products have () significant characteristics.
A, large profit margin B, guaranteed principal C, poor liquidity D, and high requirements for professional knowledge.
5, middle-aged personal securities financing asset allocation strategy suggestion is ().
A, fund 50%, stock 40%, national debt 10%
B, 50% fund, 30% stock and 20% national debt.
C, fund 40%, stock 20%, national debt 40%.
D, fund 40%, stock 40%, national debt 20%.
6, securities investment funds can be divided into () according to the organizational form.
A, closed-end investment funds B, contractual investment funds
C. Corporate investment funds D. Open investment funds
7, the following statement about today's international foreign exchange market, the wrong is ().
A, the foreign exchange market is the most transparent information, the most in line with the rational laws of a perfectly competitive market.
B, the foreign exchange market system risk is small, and it is a mature financial investment market most suitable for small and medium investors in China.
C. The dollar, the yen and the euro are in a three-legged situation in the international foreign exchange market.
D. The international foreign exchange market operates continuously for 24 hours, providing investors with an ideal investment place without time and space obstacles.
8, the risk of real estate investment does not include ().
A. Transaction risk B, unexpected risk C, interest rate risk D and credit risk
9, retirement pension investment channels are ().
A, savings investment B, fund investment C, real estate investment D, insurance investment E, trust investment
10, calligraphy and painting transactions accounted for more than () of the turnover of works of art.
A、50% B、60% C、70% D、80%
1 1. When customers ask for financial management, they not only want to increase income and improve their financial situation, but also ensure the financial situation ().
A, safety B, increase C, stabilize D, and increase value
12. One of the basic principles for setting personal financial goals is to take () as a financial goal that must be achieved.
A. Personal risk management B. Long-term investment objective C. Reserved cash reserve D. Short-term investment objective
13. The income of stock wealth management products mainly comes from ().
A, interest income and spread income B, dividend income and spread income
C. Dividends and capital gains and losses D. Interest income and capital gains and losses
14. The transaction price of open-end funds mainly depends on ().
A, the total assets of the fund b, the relationship between supply and demand c, the net assets of the fund d and the liabilities of the fund.
15. The characteristics of investment-linked insurance do not include ().
A, has the dual functions of security and investment and financial management.
B, there is a minimum cash value
C. The premium structure and capital flow are open and transparent.
D, investment account funds by the insurance company's financial experts management.
16. () is a kind of foreign currency deposit in which the bank and the depositor agree on the deposit amount, term, interest rate, etc., and the bank pays the deposit interest according to the agreement.
A, traditional foreign currency savings deposits B, foreign exchange structured deposits
C, foreign currency time deposit D, foreign currency agreement deposit
17. Education consumption is divided into () and children's education consumption according to different objects.
A, personal education consumption b, family education consumption c, enterprise education consumption d, education consumption of the elderly.
18. The reasons why consumers at home and abroad buy houses include ().
A, self-occupation b, reasonable tax avoidance c, renting out to obtain rent d, and speculating to obtain capital gains.
19. The characteristics of tax planning include ().
A, risk B, concealment C, legality D, professionalism
20. A foreigner came to work in China on February 2, 2000, returned to China on February 5, 2000, and returned to China on March 2, 2000. During the period from 200 1 year 1 month 15 to 200 1 year1month 30, I went to Japan for work, 200 1 month.
A, in 200 1 year, it was a resident taxpayer in China, and in 2002, it was non-resident taxpayer in China.
B in 2000, it was a resident taxpayer in China, and in 20001year, it was non-resident taxpayer in China.
C, 200 1 year and 2002 are non-resident taxpayer, China.
D in 2000 and 200 1 year, they were all resident taxpayers in China.
Fourth, true or false questions
1, research shows that a low "Tobin q" coefficient is a sign of a perfect or overvalued enterprise management. The lower the "Tobin q" coefficient is 1, the less M&A value it has. （ ）
2. Personal finance mainly considers the appreciation of assets. Therefore, personal finance is how to invest. （ ）
3. At present, stocks are still the main way for Chinese residents to accumulate wealth. （ ）
4, China's current relevant policies and regulations, individuals can only engage in false foreign exchange trading, not real foreign exchange trading. （ ）
5. Lifelong education is people-oriented education, with the social utility of education as the ultimate educational goal. （ ）
6, art investment is a kind of market behavior, art investment depends on the economic strength of investors. （ ）
7. The risk of investment-linked insurance is entirely borne by the insured, while the risk of dividend insurance is borne by the insured and the insurer. （ ）
8. Property management is an important guarantee for the preservation and appreciation of housing. Without good property, there will be no good house. （ ）
9. The risk and return characteristics of different securities wealth management products are quite different. According to the income and risk from high to low order, followed by stocks, funds, bonds. （ ）
10. The theoretical basis of personal finance comes from modern investment science. （ ）
1 1. The most striking feature of personal insurance wealth management products is the investment function. （ ）
12. The income of bank wealth management products has always been a personal concern of investors. （ ）
13. Legitimacy is an important feature that distinguishes tax planning from tax evasion, tax evasion, tax arrears, tax refusal and tax fraud. （ ）
14. Personal tax planning is an important part of personal financial planning, which is a low choice of tax burden within the scope permitted by law before tax obligation occurs. （ ）
15. China does not levy personal income tax on the income obtained by residents in China from abroad. （ ）
V. Short answer questions
1, what steps should financial planners follow in the evaluation process of financial planning plans?
2. What is personal insurance financial product planning, and what does it include?
3. Analyze and compare the characteristics of "two treasures" and "option treasure"?
4. Briefly describe the content of real estate investment risk control strategy?
5. How to control the risk of pension investment?
6. What is the role of personal finance for financial managers?
7. How to treat the differences between securities wealth management products from the perspective of personal investment?
8. What are the steps of personal bank financial planning? （P55）
9. What are the characteristics of art investment?
10. What are the tools for the education investment plan?
Sixth, the essay questions
1. On the comparison of foreign exchange financial services between domestic foreign banks and Chinese banks? （P65）
2. What are the suggestions on asset allocation strategies for personal securities financing? （P78）
3. Please describe the effect of personal insurance financing on individuals or families? （P83）
VII. Case analysis
1. Ms. Yang and her husband are both contract workers in a state-owned enterprise. They have a one-year-old child and still live in a two-bedroom and one-bedroom home with their husband's parents.
The total monthly income of Ms. Yang and her wife is about 5,000 yuan, and their units have purchased social security and medical insurance for them according to the minimum standards. The couple currently have 75,000 yuan in bank deposits, and last year they bought various funds totaling 25,000 yuan. In addition, the couple also bought critical illness insurance, and paid a total premium of about 2,500 yuan each year. They also bought personal accident insurance for their daughter, and paid the premium every year 150 yuan. The average daily living expenses of families are 2500 yuan/month.
Because the current living environment is too crowded, I plan to buy a set of two-bedroom and one-bedroom second-hand building with an area of about 60 square meters in five years. It is best to buy a house in two years to solve the tight living space. I also want to buy some products such as education insurance for my children, but I always feel that the economic foundation at this stage is not so good. I don't know how to manage money to realize my dream of staying at home, and I don't know whether to adjust the ratio of bank deposits and investment funds and whether to add some other insurance.
Please follow certain business processes to help Ms. Yang and her family make a financial plan.
2. Mr. Zhang 1979 was born and unmarried. White-collar workers in the professional IT industry have a monthly income of 1 10,000 yuan, and their monthly expenses are as follows: entertainment and fitness expenses 1200 yuan; Transportation fee 300 yuan; Communication fee 200 yuan; Tourism consumption averages 250 yuan every month; Pay 2,500 yuan to your family. Existing bank time deposit160 thousand yuan, participating in social insurance protection, without any investment experience. Risk preference: I am a calm and rational investor, unwilling to take high risks, but I also want to try to invest. Objective: I hope to purchase a mortgaged house in the near future, with the down payment+renovation cost of100000 yuan; Buy a car, the value is less than100000 yuan.