2017-2018银行从业资格考试教材个人理财讲义真题预测全攻略

　　本书是银行业专业人员职业资格考试“个人理财”科目的辅导教材，是为中国银行业从业人员而设计，内容紧扣考试大纲，基本覆盖了银行业从业人员应知应会的知识、技能、法律法规和职业操守。本书突出国内银行业实践，兼顾国际银行业发展状况和趋势，紧扣考试大纲。坚持理论与实践相结合，以实践为主；知识与技能相结合，以技能为主的原则。内容包括个人理财概述、个人理财业务相关法律法规、理财投资市场概述、理财产品概述、客户分类与需求分析、理财规划计算工具与方法、理财师的工作流程和方法七大部分。

　　杜友丽，东北财经大学会计学硕士，高级会计师，国际注册内容审计师，金融理财师。现就职于大连理工大学，兼任大连市政府采购评审专家、大连理工大学招标评审专家。【媒体评论】评论【目录】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···34目录VIII 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····································· 203