第1章 银行个人理财业务概述
第1节 银行个人理财业务的概念和分类 ···················································································· 1
考点1 个人理财概述 ································································································································ 1
考点2 银行个人理财业务的概念 ············································································································ 2
考点3 银行个人理财业务的分类 ············································································································ 3
第2节 银行个人理财业务的发展和现状 ···················································································· 5
考点4 个人理财业务的发展和现状 ········································································································ 5
第3节 个人理财业务的影响因素 ······························································································· 6
考点5 影响个人理财业务的宏观因素 ···································································································· 6
考点6 影响个人理财业务的微观因素 ···································································································· 9
考点7 影响个人理财业务的其他因素 ···································································································· 9
第4节 银行个人理财业务的定位 ····························································································· 10
考点8 个人理财业务的定位 ·················································································································· 10
第5节 同步强化训练 ··············································································································· 10
2 20
第2章 银行个人理财理论与实务基础
第1节 银行个人理财业务理论基础 ·························································································· 20
考点1 生命周期理论 ······························································································································ 20
考点2 货币的时间价值 ·························································································································· 22
考点3 投资理论 ······································································································································ 23
考点4 资产配置原理 ······························································································································ 26
考点5 投资策略与投资组合的选择 ······································································································ 27
第2节 银行理财业务实务基础 ································································································· 28
考点6 理财业务的客户准入 ·················································································································· 28
考点7 客户理财价值观与行为金融学 ·································································································· 29
考点8 客户风险属性 ······························································································································ 30
第3节 同步强化训练 ··············································································································· 31
目录
VI 个人理财讲义·真题·预测全攻略
第3章 金融市场和其他投资市场
第1节 金融市场概述 ··············································································································· 49
考点1 金融市场概念 ······························································································································ 49
考点2 金融市场特点 ······························································································································ 49
考点3 金融市场构成要素 ······················································································································ 49
第2节 金融市场的功能和分类 ································································································· 49
考点4 金融市场功能 ······························································································································ 49
考点5 金融市场分类 ······························································································································ 50
第3节 金融市场的发展 ············································································································ 51
考点6 国际金融市场的发展 ·················································································································· 51
考点7 中国金融市场的发展 ·················································································································· 51
第4节 货币市场 ······················································································································ 51
考点8 货币市场概述 ······························································································································ 51
考点9 货币市场的组成 ·························································································································· 52
考点10 货币市场在个人理财中的运用 ································································································ 53
第5节 资本市场 ······················································································································ 53
考点11 股票市场 ···································································································································· 53
考点12 债券市场 ···································································································································· 54
第6节 金融衍生品市场 ············································································································ 55
考点13 市场概述 ···································································································································· 55
考点14 金融衍生品 ································································································································ 56
考点15 金融衍生品市场在个人理财中的运用 ···················································································· 58
第7节 外汇市场 ······················································································································ 58
考点16 外汇市场概述 ···························································································································· 58
考点17 外汇市场的分类 ························································································································ 59
考点18 外汇市场在个人理财中的运用 ································································································ 60
第8节 保险市场 ······················································································································ 60
考点19 保险市场概述 ···························································································································· 60
考点20 保险市场的主要产品 ················································································································ 60
考点21 保险市场在个人理财中的运用 ································································································ 61
第9节 贵金属及其他投资市场 ································································································· 61
考点22 贵金属市场及产品 ···················································································································· 61
考点23 房地产市场 ································································································································ 62
考点24 收藏品市场 ································································································································ 63
第10节 同步强化训练 ············································································································· 64
目 录 VII
第4章 银行理财产品
第1节 银行理财产品市场发展 ································································································· 82
考点1 银行理财产品市场发展 ·············································································································· 82
第2节 银行理财产品要素 ········································································································ 82
考点2 产品开发主体信息 ······················································································································ 82
考点3 产品目标客户信息 ······················································································································ 83
考点4 产品特征信息 ······························································································································ 83
第3节 银行理财产品介绍 ········································································································ 84
考点5 货币型理财产品 ·························································································································· 84
考点6 债券型理财产品 ·························································································································· 84
考点7 股票类理财产品 ·························································································································· 85
考点8 信贷资产类理财产品 ·················································································································· 85
考点9 组合投资类理财产品 ·················································································································· 85
考点10 结构性理财产品 ························································································································ 85
考点11 QDII基金挂钩类理财产品········································································································ 87
考点12 另类理财产品 ···························································································································· 88
第4节 银行理财产品发展趋势 ································································································· 88
考点13 银行理财产品发展趋势 ············································································································ 88
第5节 同步强化训练 ··············································································································· 88
第5章 银行代理理财产品
第1节 银行代理理财产品的概念 ····························································································· 95
考点1 银行代理服务类业务的概念 ······································································································ 95
第2节 银行代理理财产品销售基本原则 ·················································································· 96
考点2 销售原则 ······································································································································ 96
第3节 基金 ······························································································································ 96
考点3 基金的概念和特点 ······················································································································ 96
考点4 基金的分类 ·································································································································· 97
考点5 特殊类型基金 ······························································································································ 98
考点6 银行代销流程 ······························································································································ 98
考点7 基金的流动性及收益情况 ········································································································100
考点8 基金的风险 ································································································································100
第4节 保险 ···························································································································· 101
考点9 银行代理保险概述 ····················································································································101
考点10 银行代理保险产品 ··················································································································101
考点11 保险产品的风险 ······················································································································102
VIII 个人理财讲义·真题·预测全攻略
第5节 国债 ···························································································································· 102
考点12 银行代理国债的概念、种类 ··································································································102
考点13 国债的流动性及收益情况 ······································································································103
考点14 国债的风险 ······························································································································103
第6节 信托 ···························································································································· 103
考点15 银行代理信托类产品的概念 ··································································································103
考点16 信托类产品的流动性及收益情况 ··························································································104
考点17 信托产品风险 ··························································································································104
第7节 黄金 ···························································································································· 105
考点18 银行代理黄金业务种类 ··········································································································105
考点19 业务流程 ··································································································································105
考点20 黄金的流动性、收益情况及风险点 ······················································································105
第8节 同步强化训练 ············································································································· 106
第6章 理财顾问服务
第1节 理财顾问服务概述 ······································································································ 117
考点1 理财顾问服务概念 ····················································································································117
考点2 理财顾问服务流程 ····················································································································117
考点3 理财顾问服务特点 ····················································································································118
第2节 客户分析 ···················································································································· 118
考点4 收集客户信息 ····························································································································118
考点5 客户财务分析 ····························································································································119
考点6 客户风险特征和其他理财特性分析 ························································································120
考点7 客户理财需求和目标分析 ········································································································121
第3节 财务规划 ···················································································································· 121
考点8 现金、消费和债务管理 ············································································································121
考点9 保险规划 ····································································································································123
考点10 税收规划 ··································································································································124
考点11 人生事件规划 ··························································································································125
考点12 投资规划 ··································································································································126
第4节 同步强化训练 ············································································································· 127
第7章 个人理财业务相关法律法规
第1节 个人理财业务活动涉及的相关法律 ············································································· 140
考点1 《中华人民共和国民法通则》 ································································································140
考点2 《中华人民共和国合同法》 ····································································································142
目 录 IX
考点3 《中华人民共和国商业银行法》 ····························································································143
考点4 《中华人民共和国银行业监督管理法》 ················································································147
考点5 《中华人民共和国证券法》 ····································································································149
考点6 《中华人民共和国证券投资基金法》 ····················································································153
考点7 《中华人民共和国保险法》 ····································································································155
考点8 《中华人民共和国信托法》 ····································································································156
考点9 《中华人民共和国个人所得税法》 ························································································157
考点10 《中华人民共和国物权法》 ··································································································158
第2节 个人理财业务活动涉及的相关行政法规 ······································································ 160
考点11 《中华人民共和国外资银行管理条例》 ··············································································160
考点12 《期货交易管理条例》 ··········································································································161
第3节 个人理财业务活动涉及的相关部门规章及解释 ··························································· 162
考点13 《商业银行开办代客境外理财业务管理暂行办法》 ··························································162
考点14 《证券投资基金销售管理办法》 ··························································································163
考点15 《保险兼业代理管理暂行办法》和《关于规范银行代理保险业务的通知》 ··················165
考点16 《个人外汇管理办法》和《个人外汇管理办法实施细则》 ··············································166
第4节 同步强化训练 ············································································································· 167
第8章 个人理财业务管理
第1节 个人理财业务合规性管理 ··························································································· 194
考点1 开展个人理财业务的基本条件 ································································································194
考点2 开展个人理财业务的政策限制 ································································································196
考点3 开展个人理财业务的法律责任 ································································································198
第2节 个人理财资金使用管理 ······························································································· 199
考点4 《商业银行个人理财业务管理暂行办法》有关商业银行个人理财资金使用的规定 ········199
考点5 《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》有关商业银行
个人理财业务资金的使用规定 ································································································200
考点6 《关于进一步规范银信合作有关事项的通知》有关商业银行个人理财业务资金的使用
规定 ············································································································································201
第3节 个人理财业务流程管理 ······························································································· 201
考点7 业务人员管理 ····························································································································201
考点8 客户需求调查 ····························································································································202
考点9 理财产品开发 ····························································································································202
考点10 理财产品销售 ··························································································································203
考点11 理财业务其他管理 ··················································································································205
第4节 同步强化训练 ············································································································· 205
X 个人理财讲义·真题·预测全攻略
第9章 个人理财业务风险管理
第1节 个人理财的风险 ·········································································································· 213
考点1 个人理财风险的影响因素 ········································································································213
考点2 理财产品风险评估 ····················································································································213
第2节 个人理财业务面临的主要风险 ···················································································· 214
考点3 风险分类 ····································································································································214
考点4 个人理财业务风险管理的基本要求 ························································································214
考点5 个人理财顾问服务的风险管理 ································································································215
考点6 综合理财业务的风险管理 ········································································································217
考点7 产品风险管理 ····························································································································218
考点8 操作风险管理 ····························································································································218
考点9 销售风险管理 ····························································································································219
考点10 声誉风险管理 ··························································································································219
第3节 同步强化训练 ············································································································· 219
第10章 职业道德和投资者教育
第1节 个人理财业务从业资格简介 ························································································ 226
考点1 境外理财业务从业资格简介 ····································································································226
考点2 境内银行个人理财业务从业资格 ····························································································226
考点3 银行个人理财业务从业人员基本条件 ····················································································226
第2节 银行个人理财业务从业人员的职业道德 ······································································ 227
考点4 从业人员销售活动遵循原则 ····································································································227
考点5 从业人员销售活动注意事项 ····································································································227
考点6 从业人员销售活动禁止事项 ····································································································228
考点7 从业人员岗位要求 ····················································································································229
考点8 从业人员的限制性条款 ············································································································229
考点9 从业人员的法律责任 ················································································································230
第3节 个人理财投资者教育 ·································································································· 231
考点10 投资者教育概述 ······················································································································231
考点11 投资者教育功能 ······················································································································231
考点12 投资者教育内容 ······················································································································231
第4节 同步强化训练 ············································································································· 232
