| 作 者： | 银行业从业人员资格认证考试教材编写组 |
| 出版社： | 清华大学出版社 |
| 丛编项： | |
| 版权说明： | 本书为出版图书，暂不支持在线阅读，请支持正版图书 |
| 标 签： | 财税外贸保险类考试 考试 银行业从业人员资格认证考试 |
| ISBN | 出版时间 | 包装 | 开本 | 页数 | 字数 |
|---|---|---|---|---|---|
| 未知 | 暂无 | 暂无 | 未知 | 0 | 暂无 |
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···34VIII
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·····································
161X
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·····································
