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 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 finance is to make customers realize () in the whole life process.

3. Personal bank wealth management products have the characteristics of (), () and ().

4. At present, the common life insurance products in China's insurance market mainly include (), (), () and ().

5. At present, the domestic personal foreign exchange financing methods 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 modes of endowment insurance in the world: (), () and ().

9. Considering the relationship between risks and benefits, the tools suitable for retirement pension financing are: (), (), (), () and some pension insurance.

10, the risk of art investment is manifested in the following three aspects: (), (), ().

1 1. Portfolio can usually be divided into (), () and ().

12. The distribution ratio of customer investment in each asset category 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 carried out according to certain steps, and individuals who buy a house () should be properly evaluated.

15. When purchasing insurance wealth management products, we should adhere to the principles of () and ().

16. The optimal portfolio determined by the financial planner should be a comprehensive 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 for domestic banks to provide personal firm foreign exchange transactions are: (), (), () and so on.

Third, multiple choice questions

1, () refers to the goals or expectations that customers hope to achieve through financial planning.

A, financial objective b, investment objective c, financial objective d, investment objective

2. () refers to the personal wealth management manager using RMB after purchasing wealth management products, and converting his income into 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 concentrated in 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, the index foreign exchange personal wealth management products launched by domestic and foreign banks have () significant characteristics.

A, large profit margin b, capital preservation c, poor liquidity d, and high requirements for professional knowledge.

5, middle-aged personal securities wealth management asset allocation strategy suggestion is ().

A, 50% fund, 40% stock, 10% national debt.

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-end investment funds

7. The following statement about today's international foreign exchange market is wrong ().

A. The foreign exchange market is a completely competitive market with the most transparent information and the most rational laws.

B, the foreign exchange market system risk is small, which is the most suitable mature financial investment market for small and medium-sized investors in China.

C. The dollar, the yen and the euro are in a tripartite confrontation 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 barriers.

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 artworks.

a、50% B、60% C、70% D、80%

1 1. Customers ask for financial management, not only to increase their income and improve their financial situation, but also to ensure their financial situation ().

A, security 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 objectives C. Reserve cash reserves D. Short-term investment objectives

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. total assets of the fund b, relationship between supply and demand c, net assets of the fund d, and liabilities of the fund.

15. The characteristics of linked insurance do not include ().

First, it has the dual functions of security and investment and financial management.

B, have the lowest cash value.

C. the premium structure and capital flow are open and transparent.

D. The funds in the investment account are managed by the financial experts of the insurance company.

16. () is a foreign currency deposit in which the bank and the depositor agree on the deposit amount, term and interest rate. The bank pays the deposit interest as agreed.

A, traditional foreign currency savings deposits B, foreign exchange structured deposits

C, foreign currency time deposit D, foreign currency agreement deposit

17. Education consumption can be 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, rental for rent; d, speculation for 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 12, 2000, returned to China on February 15, and returned to China on March 2, 2006 at 5438+08+0 15. He went to work in Japan and returned to China on February 1 2006, and then left China for home on October 20, 2002, so the taxpayer ().

A, 200 1 is a China resident taxpayer, and in 2002 it was non-resident taxpayer, China.

B In 2000, he was a resident taxpayer in China, and in 20001year, he was a resident taxpayer in non-resident taxpayer.

C, 200 1 and 2002 are all non-resident taxpayer.

D in 2000 and 200 1, they were resident taxpayers in China every year.

Iv. true or false questions

1. The research shows that the lower Tobin q coefficient is a sign of perfect or overestimated enterprise management. The lower Tobin's Q coefficient, the smaller its M&A value. ( )

2. Personal finance mainly considers asset appreciation. Therefore, personal finance is how to invest. ( )

3. At present, stocks are still the main way for China residents to accumulate wealth. ( )

4, China's current relevant policies and regulations, individuals can only engage in false foreign exchange transactions, not real foreign exchange transactions. ( )

5. Lifelong education is people-oriented education, with the social utility of education as the ultimate educational goal. ( )

6. Art investment is a market behavior, and 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 shared by the insured and the insurer. ( )

8. Property management is an important guarantee for maintaining and increasing the value of houses. Without good property, there will be no good house. ( )

9. The risk-return characteristics of different securities wealth management products are quite different. According to the order of income and risk from high to low, it is followed by stocks, funds and bonds. ( )

10. The theoretical basis of personal finance comes from modern investment science. ( )

1 1. The most striking feature of life 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, and it is a low choice of tax burden within the scope permitted by law before tax obligation occurs. ( )

15. China does not levy individual income tax on income obtained by China residents from abroad. ( )

Verb (abbreviation of verb) short answer questions

1. What steps should financial planners follow in the process of evaluating financial planning schemes?

2. What is life insurance financial product planning, including what content?

3. Analyze and compare the characteristics of "two treasures" and "option treasures"?

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 of securities wealth management products from the perspective of personal investment?

8. What are the steps of personal bank financial planning? (page 55)

9. What are the characteristics of art investment?

10. What are the tools for the education investment plan?

Sixth, the essay questions

1. What is the comparison of foreign exchange financial services between domestic and foreign banks and Chinese banks? (page 65)

2. What are the suggestions for the asset allocation strategy of personal securities financing? (page 78)

3. Please describe the effect of personal insurance financing on individuals or families? (page 83)

Seven. case analysis

1. Ms. Yang and Mr. Yang are both contract workers in a state-owned enterprise. They have a one-year-old child who still lives in a two-bedroom and one-bedroom home with her husband's parents.

The total monthly income of Ms. Yang and her wife is about 5,000 yuan, and the unit has purchased social security and medical insurance for them according to the minimum living standard. 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 150 yuan every year. The average daily living expenses of the family are 2500 yuan/month.

Because the living environment is too crowded now, I plan to buy a second-hand building with two rooms and one living room of about 60 square meters in five years. It is best to buy a house within two years to solve the problem of 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, or whether to add some other insurance.

Please follow a certain business process to help Ms. Yang and her family make a financial planning.

2. Mr. Zhang was born in 1979 and is unmarried. White-collar workers in professional IT industry, with a monthly income of 1 1,000 yuan, and the monthly expenditure is as follows: entertainment and fitness expenditure 1, 200 yuan; Transportation fee 300 yuan; Communication fee 200 yuan; Average monthly 250 yuan for tourism consumption; Pay the family 2500 yuan. At present, the bank deposit is 6.5438+0.6 million yuan, and I have participated in social insurance and have no investment experience. Risk preference: I am a calm and rational investor, unwilling to take high risks, but I also want to try to invest. Goal: I hope to buy a mortgaged house in the near future, and the down payment+decoration will cost about 6,543,800 yuan; Buying a car is worth less than 6,543,800 yuan.