作者：银行业从业人员资格认证考试教材编写组
定价：39元
印次：1-1
ISBN：9787302464532
出版日期：2017年3月1日
印刷日期：2017年3月3日

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。

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 理财师的职业特徵 ·················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 民事法律关係介绍 ·················23

考点4 契约法律关係 ·························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信託产品·······························121

考点6贵金属···································123

考点7券商资产管理计画···············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理财服务规範和质量的要求·····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係·····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·····································161

X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472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複利与年金係数表···············175

考点2财务计算器···························177

考点3Excel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套用··················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、建立信任关係······188

考点1接触客户·······························188

考点2建立信任关係·······················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节后续跟蹤服务························201

考点1后续跟蹤服务的必要性·······201

考点2实施方案跟蹤和评估服务···202

考点3不定期评估和方案调整·······202

考点4从跟蹤服务到综合规划的螺旋式提升···········202

本章考点自测·····································203

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，兼任大连市政府採购评审专家、大连理工大学招标评审专家。