<br /><br/><br /><p><span style="font-family:宋体;"><span style="font-size:9pt;">封面</span></span><br />
<span style="font-family:宋体;"><span style="font-size:9pt;">内容简介<br />
<span style="font-size:9pt;">目录</span></span><br />
<span style="color:#0099ff;"><span style="font-size:9pt;">第一部分备考指南</span></span></span></p>

<p><span style="color:blue;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">考试制度解读</span></span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">一、考试简介</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">二、报名条件</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">三、考试科目、范围和题型</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">四、考试方式</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">五、考试时间和考试地点</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">六、成绩认定</span></span></p>

<p><span style="color:blue;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">命题规律总结</span></span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">一、以填空形式考查教材原文</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">二、通过具体情况考查知识点</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">三、不同形式、多种角度考查同一考点</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">四、多个考点在同一题目中考查</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">五、计算题考查知识点集中，注意理解运用</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">六、考察概念、属性</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">七、考查法律法规中的具体条款</span></span></p>

<p><span style="color:blue;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">复习应试策略</span></span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">一、学习方法</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">二、应试技巧</span></span></p>

<p><span style="color:#0099ff;"><span style="font-family:宋体;"><span style="font-size:9pt;">第二部分核心讲义</span></span></span></p>

<p><span style="color:blue;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">第一章个人理财概述</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【考查内容】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【备考方法】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【框架结构】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【核心讲义】</span></span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">一、个人理财相关定义</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">二、个人理财业务的相关主体</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">三、银行个人理财业务的分类</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">四、个人理财业务的发展与状况</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">五、理财师的队伍状况和职业特征</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">六、理财师的执业资格要求</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">七、合格理财师的标准及理财师的社会责任</span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【过关练习】</span></span></span></p>

<p><span style="color:blue;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">第二章个人理财业务相关法律法规</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【考查内容】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【备考方法】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【框架结构】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【核心讲义】</span></span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">一、中国的法律体系</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">二、《民法通则》中与个人理财业务相关的规定</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">三、《合同法》中与个人理财业务相关的规定</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">四、《物权法》中与个人理财业务相关的规定</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">五、《婚姻法》中与个人理财业务相关的规定</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">六、《个人独资企业法》《合伙企业法》中与个人理财业务相关的规定</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">七、商业银行理财产品及与销售相关的法律法规</span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【过关练习】</span></span></span></p>

<p><span style="color:blue;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">第三章理财投资市场概述</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【考查内容】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【备考方法】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【框架结构】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【核心讲义】</span></span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">一、金融市场概述</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">二、货币市场及其在个人理财中的运用</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">三、债券市场及其在个人理财中的运用</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">四、股票市场及其在个人理财中的运用</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">五、金融衍生品市场及其在个人理财中的运用</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">六、外汇市场及其在个人理财中的运用</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">七、保险市场及其在个人理财中的运用</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">八、贵金属市场和其他投资市场及其在个人理财中的运用</span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【过关练习】</span></span></span></p>

<p><span style="color:blue;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">第四章理财产品概述</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【考查内容】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【备考方法】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【框架结构】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【核心讲义】</span></span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">一、银行理财产品</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">二、基金</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">三、保险</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">四、国债</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">五、信托产品</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">六、贵金属</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">七、券商资产管理计划</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">八、股票</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">九、中小企业私募债</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">十、基金子公司产品</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">十一、合伙制私募基金</span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【过关练习】</span></span></span></p>

<p><span style="color:blue;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">第五章客户分类与需求分析</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【考查内容】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【备考方法】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【框架结构】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【核心讲义】</span></span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">一、理财师了解客户的重要性及主要内容</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">二、不同的客户分类方法</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">三、生命周期理论及其与客户需求的关系</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">四、理财师了解客户的方法</span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【过关练习】</span></span></span></p>

<p><span style="color:blue;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">第六章理财规划计算工具与方法</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【考查内容】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【备考方法】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【框架结构】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【核心讲义】</span></span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">一、货币时间价值及其影响因素</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">二、货币时间价值的基本参数及相关的计算</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">三、规则现金流与不规则现金流的计算及运用</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">四、复利与年金系数表的计算方法及运用</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">五、财务计算器和Excel</span>在理财规划中的使用</span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">六、不同理财工具的特点及比较</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">七、货币时间价值在理财规划中的应用</span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【过关练习】</span></span></span></p>

<p><span style="color:blue;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">第七章理财师的工作流程和方法</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【考查内容】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【备考方法】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【框架结构】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【核心讲义】</span></span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">一、理财师工作流程的基本步骤</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">二、接触客户、获得客户信任的要点</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">三、理财师应该告知客户的相关信息</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">四、了解客户信息的心态和技巧</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">五、确定客户目标的内容、原则及步骤</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">六、理财规划方案的制定和提交</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">七、理财规划方案的执行</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">八、客户档案管理</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">九、后续跟踪服务</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">十、实施方案跟踪和评估服务</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">十一、不定期评估和方案调整</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">十二、从跟踪服务到综合规划的螺旋式提升</span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【过关练习】</span></span></span></p>

<p><span style="color:blue;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">第八章理财师金融服务技巧</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【考查内容】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【备考方法】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【框架结构】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【核心讲义】</span></span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">一、理财师的商务礼仪与沟通技巧</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">二、工作计划与时间管理</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">三、电话沟通技巧</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">四、金融产品服务推荐流程与话术</span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【过关练习】</span></span></span></p>

<p><span style="color:blue;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">第九章相关法律法规解读</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【考查内容】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【备考方法】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【框架结构】</span></span></span></p>

<p><span style="color:#006600;"><span style="font-family:宋体;"><span style="font-size:9.0pt;">【核心讲义】</span></span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">一、商业银行个人理财业务管理暂行办法（中国银行业监督管理委员会令2005</span>年第2</span>号）</p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">二、商业银行个人理财业务风险管理指引（银监发〔2005</span>〕63</span>号）</p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">三、关于商业银行开展个人理财业务风险提示的通知（银监办发〔2006</span>〕157</span>号）</p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">四、关于调整商业银行个人理财业务管理有关规定的通知（银监办发〔2007</span>〕241</span>号）</p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">五、关于进一步规范商业银行个人理财业务有关问题的通知（银监办发〔2008</span>〕47</span>号）</p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">六、银行与信托公司业务合作指引</span></span></p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">七、关于进一步规范商业银行个人理财业务报告管理有关问题的通知（银监办发〔2009</span>〕172</span>号）</p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">八、关于进一步规范商业银行个人理财业务投资管理有关问题的通知（银监发〔2009</span>〕65</span>号）</p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">九、关于进一步规范银信合作有关事项的通知（银监发〔2009</span>〕111</span>号）</p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">十、关于规范银信理财合作业务有关事项的通知（银监发〔2010</span>〕72</span>号）</p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">十一、关于进一步规范银信理财合作业务的通知（银监发〔2011</span>〕7</span>号）</p>

<p><span style="font-family:宋体;"><span style="font-size:9pt;">十二、商业银行理财产品销售管理办法（银监会令〔2011</span>〕5</span>号）</p>

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<p><span style="font-family:宋体;"><span style="font-size:9pt;">2015</span>年下半年银行业专业人员职业资格 考试《个人理财（初级）》真题</span></p>

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