Personal financial planningp
个人理财英语
Personal?Wealth?Management?Service个人理财业务personal financingpersonal financial planning personal wealth management personal financial Service(PFS) Elite ClubSunflower financefinancing Linkfinancial TreasuryMoney MateMinsheng banking VIP service BOCOM Fortunewealth management with Orient card investment link 个人理财个人理财业务个人理财(花旗银行)个人理财服务理财金账户（工行）?“金葵花”理财（招行）理财通理财宝理财室（中行）民生贵宾服务交银理财东方卡理财（浦发银行）投资通safe deposit box serviceassets managementaround-clock service of account management network settlementbank-securities linkbank-securities account transferMoney Linkaccount transfer via money linkbank-insurance link(bonus participated insurance) open-ended fundsbank-fund linkopen-ended funds commission 保管箱业务资产管理24小时到账处理业务网络结算业务银证通银证转账银证通（浦发银行）银证转账（浦发银行）银保通(分红保险)开放式基金银基通代理销售开放式基金capital account deposit(Margin) account 资金账户保证金账户counter Transfertelephone Banking self-service transfer service a letter of entrustment for transfer entrusting transfer and deduction shareholders’ magnetic cardnetwork settlementdomestic payment settlement serviceold-age pension fundsocial security fundbond fundinvestment fundclose-ended fundopen-ended fund 柜台转账电话银行自助转账转账委托书委托转账代缴费股东磁卡网络结算业务国内支付结算业务养老基金社会保险基金债券基金投资基金封闭式基金开放式基金Savings?Deposit储蓄存款业务savings depositdemand deposit(current deposit)current deposit passbookcurrent checkbook deposittime or demand optional depositcall deposittime deposit(term deposit)large sum fixed depositgeneral fixed depositfloating time rate depositlump-sum deposit and withdrawaltime deposit of lump-sum deposit and withdrawaltime deposits of lump-sum depositing and lump-sum withdrawal installment fixed depositstime deposit of small savings for lump-sum withdrawal 活期储蓄存款活期储蓄存款活期存折活期支票定活两便存款通知存款定期存款大额定期存款普通定期存款定期浮息选择存款整存整取整存整取定期储蓄整存整取定期存款零存整取零存整取定期储蓄Personal?Consumer?Credit个人消费信贷housing mortgage loan individual business house loan house refurbishing loan. individual housing loans housing loans on own account housing loans on authorization individual combined housing loans CITIC Happy Familyauto loansloan for refurbishing house consumer durables loan 住房抵押贷款个人商业用房贷款房屋装修贷款个人住房贷款自营性住房贷款委托住房贷款个人住房组合贷款中信家家乐汽车消费贷款家居装修贷款大额耐用消费品贷款personal loan secured by CDs/treasury bonds individual consumption loanpetty consumer creditindividual unsecured loanconsumption credit for individual clients individual consumption loansecured loansmall amount private loans 个人存单质押贷款个人消费信贷小额信用消费贷款个人信用贷款个人消费信贷业务个人消费信贷抵押放款(担保放款)小额贷款individual auto loanindividual comprehensive consumer loanindividual large-denomination durable commodities loan personal pledge loantravel and vacation loansonline personal pledge loan 个人汽车消费贷款个人综合消费贷款个人大额耐用消费品贷款个人质押贷款旅游度假贷款网上个人质押贷款insurance certificate pledge loandeposit certificate pledge loancertificates of deposit(CDs)individual comprehensive consumer loanindividual large-denomination durable commodities loan state educational loancommercial educational loanoverseas study loaneducational loans 保单质押贷款存单质押贷款大额存单个人综合消费贷款个人大额耐用消费品贷款国家助学贷款商业助学贷款留学贷款教育助学贷款Foreign?Exchange?for?Corporate公司外汇业务forex deposit for enterprisecurrent forex deposit for enterprisetime foreign fxchange deposit for enterprise call forex deposit for enterprise 单位外汇存款业务活期对公外汇存款定期对公外汇存款通知对公外汇存款forex credit forex working capital loan forex temporary loans forex short-term loans forex medium-term loans forex revolving loans forex loans with repayment in Installments forex fixed asset loan forex fixed asset investment forex business development and expansion forex technical innovationforex fixed asset acquisition 外汇贷款业务外汇流动资金贷款外汇临时流动资金贷款外汇短期流动资金贷款外汇中期流动资金贷款外汇流动资金循环贷款外汇整贷零偿外汇固定资产贷款外汇固定资产投资贷款外汇开发扩建贷款外汇技改贷款外汇固定资产收购贷款International?Finance 国际融资业务project financeBOT（build, operate, transfer）BT（build, transfer）export buyer’s creditsyndicated loanon-lending project financeinternational commercial loanimport buyer’s creditforeign government loanforeign government mixed loanloan from international financial organizations forex transferred loanf inancing business of featuresbills discountcredit line 项目融资建设经营转让建设转让出口买方信贷银团贷款外汇转贷款项目融资国际商业贷款融资进口买方信贷融资外国政府贷款融资外国政府混合贷款融资国际金融组织贷款融资外汇转贷款特色融资业务票据贴现授信额度advanced payment guarantee payment guaranteeverification payment guarantee technical verification payment guarantee deferred payment guaranteelease guaranteeimport bills for collectionexport bills for collection purchasing collection bills 预付款退款担保付款担保验货付款保函技术交易验收付款保函延期付款担保租赁担保进口代收出口托收出口托收买单packing loan under L/C transferable L/C negotiating export bills discounting bills secured lading 打包放款（信用证项下）转让信用证议付出口信用证单据（银行承兑）汇票贴现担保提货opening letter of guaranteeforeign exchange payment and clearing service settlement clearance for foreign exchange pusiness banking facilityforeign exchange rate risks coverguarantee and attestationinter-bank foreign currency borrowings and lendings asset portfolio managementoffshore banking businesstrade financinggeneral banking facilitiesPacking Creditimport bills purchaseexport(0utward) bill purchaseforeign currency bill discount 开立保函外汇清算业务外汇业务清算授信外汇保值避险担保和见证金融机构间外汇拆借理财策划离岸金融业务贸易融资综合授信打包放款进口押汇出口押汇外币票据贴现foreign exchange bills purchase bills discounting ForfaitingFactoringnon-trade finance 买入外币票据票据贴现福费廷（包买票据）保理业务非贸易融资Bank?Card银行卡业务peony credit card peony international card peony MoneyLink card peony IC(Smart) card peony proprietary card peony photo card peony co-branding card Long card 牡丹信用卡牡丹国际卡牡丹灵通卡牡丹智能卡牡丹专用卡牡丹彩照卡牡丹联名卡龙卡savings carddebit cardanimal cardaccount transfer cardpre-paid consumption card special-purpose cardco-branded cardGreat Wall credit card Great Wall international card Great Wall credit card in RMB pacific cardgold cardordinary cardThe World’s Sunflower development card 储蓄卡借记卡生肖卡转账卡储值卡专用卡联名卡（认同卡）长城信用卡长城国际卡长城人民币信用卡太平洋卡金卡普通卡金葵花卡发展卡Minsheng card Orient cardLady card Visa card Master card Diner’s card American Express card Million card JCB card Federal card 民生卡东方卡真情卡(广发银行)维萨卡万事达卡大莱卡运通卡百万卡（日本）JCB 卡（日本）发达卡（香港）Terms?of?Post?and?Title 岗位职务词汇chief executive officer directormanaging director authorized officermanager and head of China desk general manager(GM) director generalchief controllerdeputy general manager(DGM) chief executive officer(CEO) chief financial officer(CFO) chief market officer(CMO)top managermanagerfinance director 董事长董事总裁，常务董事代理行长中国事务部经理兼主管总经理总监总稽核副总经理首席执行官首席财务总监首席市场总监总经理经理，主任财务经理，财务处（科）长financial manager chief accountant chief cashierchief clerkhead clerkhead of department head tellerchief accountant chief of finance sales director sales manager directing stafftop management middle management lower management 财务经理会计主任，总会计师，财务处长出纳主任主任办事员首席办事员部门主任出纳主任总会计，会计主任财务主任营业副经理；销售处（科）长销售经理领导人员最高管理层中层管理基层管理manager of bank managerial staff officer, official financial adviser financial accountant financial administrator financial executive auditing officers controller accountant in charge accountant consultant management consultant managing agent assistant accountant 银行经理人管理人员高级职员财务顾问财务会计员财务主管人财务主管审计人员主管会计；审计员主管会计师会计师，会计员顾问业务顾问经理人的代理助理会计师assistant general manager assistant manager managing partner administrative staff office staffoperation staff accounting clerkbank clerkoffice clerk statistical clerkpay clerkstaffclerkcashierteller 协理，副总经理，副总裁副理，协理办事员管理人员，行政人员办公室职员操作人员簿记员银行职员办事员统计员出纳员职员办事员出纳员出纳员customer client 顾客，客户顾客，客户Intermediary?Business(1)中间业务remittance servicesdomestic remittance remittance agencyremittance expresscommom remittanceurgent remittanceremittance by draftcash remittancebank promissory note(bank check) checkcheck Book 汇兑业务国内汇兑代理汇兑汇款直通车普通汇款加急汇款票汇(汇票汇款)汇款银行本票支票支票簿agency services fund agency service Bank-fund Link Bank-futures Link FortuneLink 代理业务基金代理业务银基通银期通财富通bond agency servicebonds settlement agencyinsurance agency servicefinancing agencysafekeeping agencycollection and payment agency settlement agencysalary payment agency(payroll agency service) wages(old-aged pension) distribution agency 债券代理业务债券结算代理保险代理业务代理理财代理保管代理收付代理结算代发工资(业务)代发工资（养老金）业务public utility fee levying agencyissuing government bonds agency commission collection of telephone fee commission collection of telephone fee for Unicom commission collection of electricity charge commission collection of insurance premium payment through telephone bankingpayment through mobile phone banking network payment settlement agencyagency collection and paymentcommission payment on consignmentpayment in cashcharge withholding service 代理公用事业收费代理发行国债代收电话费业务代收联通话费业务代收电费业务代收保险费电话银行缴费手机银行缴费代收付业务网上支付结算代理委托缴费现金缴费缴费业务fee collection express缴费通commission security business agency securities fund clearing commission tax withholding commission insuranceagency signing of the banker’s bill forward settlement 代理证券业务代理证券资金清算代理税收业务代理保险业务代签银行汇票期货结算业务client service centercustomer service hotlinebearer treasury certificatevisible treasury certificatebearer treasury certificate with fixed denomination????proof of payment(payment vouchers) a letter of entrustment for transfer 客户服务中心客户服务热线无记名式国债凭证式国债固定面额无记名式国债支付凭证转账委托书代收代缴费agency collection and payment agency collection and deduction public utility Feeentrusting transfer and deduction agency issuing government bonds foreign exchange trading agency automated transferdeposit(margin) account 代收代扣公用事业费委托转账代交费代理发行国债代理外币买卖自动转账保证金账户bill consultancyreal-time funds transferring counter transfer settlement business domestic settlement service draft for collection 票据查询实时资金汇划柜台转账结算业务国内结算业务托收汇票collection and acceptioncommission receptionon-line Settlementon-line Shoppingsecurities and capital settlement agency commission collection and payment agency client bar code automatic inquiry system payment and settlement agencyforward settlement 托收承付委托收款网上结算网上购物代理证券资金清算代理收付业务客户条形码自动查询支付结算业务代理期货结算业务notes clearingcharged bond trading on the counter treasury billstreasury bondsbook-entry treasury bill 票据交换柜台记账式债券交易国库券长期国债凭证式国债visible treasury certificate investment bankingmerchant bankingconsultancy-specific financial service funds trusteeshipcash-based settlementpaper-based settlement electronic-based settlement transferring settlement accounting settlement business 凭证式国债投资银行业务商人银行业务咨询性金融业务基金托管现金清算票据清算电子清算转账结算会计结算业务。
个人理财规划外文翻译文献编辑
文献信息：文献标题：A Study of Personal Financial Planning Process and Socio-Economic Decision-Making in Households（个人理财规划过程与家庭社会经济决策研究）国外作者：S Shah，AS Bhatt文献出处：《Social Science Electronic Publishing》,2016字数统计：英文2308单词，13376字符；中文4089汉字外文文献：A Study of Personal Financial Planning Process andSocio-Economic Decision-Making in Households Abstract In the current era, planning of finance is assuming extreme importance as myriad financial products are available and individuals’ demands are increasing. Personal financial planning is a process which outlines one’s financial objectives and takes financial decisions in a manner that his goals are achieved. The process of financial planning and decision-making in household has been studied independently by various researchers. However, these are essentially intertwined in nature. In view of this, the researchers have undertaken the task of understanding whether individuals followed the Personal Financial Planning process consciously and whether this was linked to household decision-making, especially in the social and economic areas. This paper also examines gender inequality in household decision-making and how household decision-making evolves with time. The study was conducted in the Ahmedabad district of Gujarat, and a sample size of 196 respondents was selected on judgmental basis to meet the objective of the study. The response rate was 78% (n=150) which is considered to be acceptable for a research study. The sample size was equally split between males and females. The survey was carried out in June- July, 2014.Analysis has been done by using Analysis of Variance(ANOV A), Binary Logistic Regression and Chi-square.It was found that age influences components of Personal financial planning (PFP) like determining one’s financial objectives, knowledge of finance, satisfaction regarding current economic status, and retirement planning. Likewise, gender, income, education, profession and marital status affect various components of PFP. It was also found that household economic and social decisions were related to income and investment of the respondent. Further, it could be inferred that in a household, males held more bargaining power in taking economic decisions, while females exerted more influence in taking social decisions.Key-words: Personal financial planning, financial objective, household economic decisions, household social decisions1.IntroductionHousehold financial management is that activity which is concerned with planning and controlling finances of individuals and households. The concept ‘personal financial management’ is of immense interest to researchers, academicians and policy formulators in the context of global economic crisis and financial inclusion in developing countries. As in the case of a nation or business institution, finance plays a crucial role in the life of an individual, to rich or poor. Mobilisation of finance and its wise and efficient deployment play a strategic role in the well-being of a nation or institution and at the most in the case of a person who is the base or starting point of any economic activity. Personal finance as a branch of economics deals with budgeting, saving, investing, borrowing, lending, insuring, and diversifying.Personal financial planning denotes the process of determining whether and how an individual can meet life goals through the proper management of financial sources.(CFP Board, 2005) Financial literacy and financial well-being are mutually related with each other (UNDP and PFIP, 2010). Financial well-being is the ability to have wealth to serve life - to have the financial means to comfortably attain whatever personal goals one has to enjoy an acceptable lifestyle. Sociological research data indicate that fourfactors strongly predict happiness and overall well-being in most cultures: health, economic status, employment, and family relationships. People are happier when they are healthy, employed, married or in a committed relationship, and financially secure. There is a relationship between an individual’s ability to do something (competence) and well-being (both self-perceived happiness and economic well-being). Well- being is, at least in part, a product of competent behaviour enacted consistently over time. Financial capability and financial competence therefore influence a person’s well-being. The opportunity accorded to people to engage with the formal financial system and how well they manage the money they have will influence their standard of living and the standard of living of those for whom they are responsible.Like never before, researchers, public authorities, community groups, industry associations and international organisations, are initiating financial literacy programmes and want to understand how people can become financially literate, or in other words, have the knowledge, understanding, skills and competence to deal with everyday financial matters and make the right choices for their needs.2.Literature Review2.1.Financial Literacy & PlanningVery few articles and research papers were found those have founded identical theories of personal financial planning. The term personal finance is having its root in micro-economics, finance and behavioral science as this area originated from home economics to various finance theories to behavioral finance. An Individual, as a consumer, is a rational being who tries to use his or her money income to derive the utmost amount of consummation or utility from it. Consumers want to get "the most for their money" or, to exceed their total utility as per ‘Maximisation of utility’ theory. Money is scarce in nature and due to this, consumers tend to be rational in their purchasing decisions. A consumer would spend his money on the best possible purpose or product and only when needed that guarantees optimum utility or a complete sense of satisfaction.Considering the importance of financial literacy, in RBI-OECD Workshop onFinancial Literacy, Bengaluru, in March, 2010 Sri Pranabkumar Mukerjee, Hon’ble Minister for Finance in his speech narrated “Financial literacy and education plays a crucial role in financial inclusion.” He further added that research and existing literature in financial literacy have typically associated an individual’s knowledge of economics and finance with his financial decisions related to savings, spending, borrowing, retirement planning, or portfolio choice. Today, financial competence has become essential due to complex choices and, while the policies need to enable access, the responsibility for saving and investing for the future primarily lies with the individuals. Another study by Miller M., Godfrey N., Levesque B. and Stark E. (2009) discussed the importance of financial literacy for consumers in developing countries, especially in the context of the global financial crisis.The authors stated that financial literacy was an active process, in which communicating information was only the beginning: empowering consumers to take action to improve their financial well-beingwas the ultimate goal. This study presented empirical evidence on thevalue of financial literacy programs and made a case for further research in determining the most effective financial literacy tools, programs and public policies, especially in the context of developing countries. Lusardi A. (2001), a world famous financial literacy scholar and academician, in her article ‘Financial literacy around the world: an overview’ stated that in an increasingly risky and globalised market-place, people must be able to make well-informed financial decisions.2.2.Socio-Economic decisions in householdHousehold decision-making affects many choices with important consequences including the distribution of income, allocation of resources, allocation of time, purchase of goods, and fertility decisions. If there is gender inequality in household decision making then this affects the economic well-being of women and children in the household. Blood and Wolfe (1960) in their study based on households in the Detroit area of the United States, found that comparative resources of the wife and husband were more important determinants in decision-making and power than social norms. The spouse with the greater resource base was more likely to have more decision making power. Similar studies done in lower and middle-income countriesreported different results. Research in Yugoslavia and Greece found that husband’s socio-economic resources were negatively related to his power (Buric and Zecevic 1967, Safilios- Rothschild 1967). A study conducted in India by Rammu (1988) which included urban, dual and single income earning households found that the more resources the partner brought into the marriage, in terms of education, income and occupational status, the more decision-making power he/she possessed. He also found that women who were gainfully employed exercised greater authority in all spheres of decision-making compared to women engaged in domestic housework only. However, even employed women did not succeed in negotiating a noticeable change in the allocation of domestic housework, perhaps a consequence of the timeless social norm of women doing housework. In one more study conducted in Venezuela (Lawrence and Mancini 1998) focused on decision-making concerning four subjects: purchase of household goods, change in residence, household finances and children’s education. The study found that while a majority of households made decisions jointly, more women made decisions concerning the purchase of household goods and children’s education compared to men, while men dominated decisions concerning household finances and change in residence.The process of financial planning and decision-making in household has been studied independently in the previous researches. However, these are essentially intertwined and if one wants to achieve life goals, financial literacy is a necessity. In view of this, the researches undertook the task of understanding whether individuals followed the Personal Financial Planning (PFP) process consciously and whether this was linked to household decision-making, especially in the social and economic areas. Further, there is a dearth of research related to this topic especially in Gujarat state of India. Hence, the researchers carried out the study in Gujarat.3.Research MethodologyOn the basis of review of literature and evidences from psychological studies, the present study has been planned with the following objectives:1)To analyse the effect of demographic variables on household financial planning2)To find out the relationship between financial planning decisions and economic and social decisions3)To find out the gender impact on economic and social decisionsThe study was conducted in the Ahmedabad district of Gujarat, and a sample size of 196 respondents was selected on judgmental basis to meet the objectives of the study. The total number of questionnaires distributed was 196. We received 176 questionnaires, but some of them had one or more missing responses. Such questionnaires were discarded and were not considered for further analysis. The final sample size after discarding the questionnaires with missing responses was 150. Thus the response rate was 78% which is considered to be acceptable for a research study. The respondents carried equal number of males and females. The survey was carried out in June-July, 2014. The profile of the respondents with respect to demographics like age, gender, qualification, income, marital status and household investments has been presented in the data analysis section.The research design for the study is descriptive in nature. The questionnaire constructed for the study included several questions which were continuous and categorical in nature. The survey consisted of questions that covered demographics, financial attitude towards personal financial planning, preferences for investment avenues, and purposes for investment.Definition of ConstructsThe components of personal financial planning were obtained through literature review regarding how individuals consider each component in their household financial planning decisions.•Financial Objective: Financial objectives are life goals converted into monetary terms. They can be categorised based on time period- Short term, Medium term and Long term financial objectives.•Knowledge: Knowledge of financial products, terms, financial services and financial markets required for personal financial management.•Satisfaction: Satisfaction in context to personal financial components viz. obtaining, saving, borrowing, investment planning.•Tax efficiency: Proper management of financial resources to avail various rebates and concessions thereby reducing tax liability.•Insurance Coverage: Adequate insurance coverage of life, health and property against risks associated.•Retirement Income: Availability of sufficient corpus to maintain the same standard of living in non-earning years.Data Analysis ApproachAnalysis is done using SPSS software 19.0 and Microsoft excel.Description of Analytical Tools•To find out the impact of the demographical variables on household financial planning, One-Way Analysis of Variance (ANOV A) has been applied for each component identified through literature review and each demographic variable viz. gender, age, income, education, profession and marital status.•To find out the association between financial and socio-economic decisions, Chi square has been applied.•To further analyse the gender impact on economic and social decisions Bivariate Logistic regression is applied where gender is taken as predictor variable and decision taker as outcome variable.4.Managerial ImplicationsThere is significant association between gender and financial objective, knowledge of finance and retirement planning, wherein males agree more to having knowledge and adequate retirement planning.•The older age group (40 – 60 years) disagree more as compared to other age groups when it comes to satisfaction, financial objective, knowledge and retirement planning processes of financial planning.•The higher income group (above 8 lacs) disagree more when it comes to deriving satisfaction from the current PFP, however, the low income group agreed more to tax efficiency as they fall in the tax exempted category.•The non-employed group had less knowledge of the formal financial planning process as compared to the salaried and business groups, and the business class significantly differed from other two groups for retirement planning component.•The marital status is related to several components of PFP, viz. financial objective, knowledge, tax efficiency, and insurance coverage and the categories differ among themselves marginally for these components. However, the divorced category was found to be lacking on the financial objectives and satisfaction part.Looking at the above findings, it became increasingly clear that the typical target group for conducting financial literacy programs would consist of young and middle-aged, females who are home-makers. But the next question was whether they are influential in household decision- making. If they are not typical decision-makers, the training shall not impact the actual decisions taken in the household. Hence, a few significant economic and social decisions of the household were identified and the role of females was studied. The analysis indicated that males play a dominant role in taking economic decisions while females play a leading role in taking social decisions of the household. Hence, the financial literacy programs while targeting the above-mentioned group should especially capture the process of PFP, with a focus on social decisions taken in the household.中文译文：个人理财规划过程与家庭社会经济决策研究摘要在当前时代，随着金融产品的大量激增，以及个人需求的不断上升，理财规划开始变得非常重要。
cfp国际金融理财师考试科目
CFP国际金融理财师考试是由国际认证财务规划师协会（CFP Board）认证的一项专业资格考试，考试科目包括：
1. 个人理财规划（Personal Financial Planning）：主要考察考生对个人理财规划的理论和实践知识，包括财务目标设定、预算管理、投资规划、退休规划、风险管理、税务规划、财产传承等方面的内容。
2. 投资规划（Investment Planning）：主要考察考生对投资规划的理论和实践知识，包括投资目标设定、投资组合构建、证券分析、风险评估、资产配置等方面的内容。
3. 保险规划（Insurance Planning）：主要考察考生对保险规划的理论和实践知识，包括风险评估、保险产品选择、保险策略制定、保险合同解释等方面的内容。
4. 税务规划（Tax Planning）：主要考察考生对税务规划的理论和实践知识，包括税收法律法规、税务筹划、税务合规等方面的内容。
5. 退休规划（Retirement Planning）：主要考察考生对退休规划的理论和实践知识，包括退休目标设定、退休资产规划、退休收入规划、社会保障制度等方面的内容。
6. 财产传承规划（Estate Planning）：主要考察考生对财产传承规划的理论和实践知识，包括财产规划、遗产税规划、信托规划、遗嘱规划等方面的内容。
CFP国际金融理财师考试是一项较为综合和专业的考试，需要考生具备较高的理论和实践水平。
Personal Finance Tips
Personal Finance TipsPersonal finance is a crucial aspect of everyone's life, and it's important to have a good understanding of how to manage your money effectively. Whether you're just starting out in your career or you're well-established in your job, there are always ways to improve your financial situation. In this article, I will provide some personal finance tips that can help you make the most of your money and achieve your financial goals. First and foremost, it's essential to create a budget and stick to it. A budget is a plan that helps you manage your income and expenses, and it's a great way to ensure that you're not spending more than you earn. Start by listing all of your sources of income, such as your salary, bonuses, and any other earnings. Then, make a list of all your expenses, including bills, groceries, and any other regular payments. Once you have a clear picture of your financial situation, you can allocate a specific amount of money to each expense category and track your spending to ensure that you're staying within your budget. Another important personal finance tip is to prioritize saving and investing. It's crucial to set aside a portion of your income for savings, emergency funds, and retirement. Aim to save at least 20% of your income, and consider setting up automatic transfers to a savings account to make the process easier. Additionally, consider investing your savings in stocks, bonds, or mutual funds to help your money grow over time. Investing can be intimidating, but there are plenty of resources available to help you get started, such as financial advisors, online courses, and investment apps. Furthermore, it's essential to stay on top of your debt and manage it effectively. Whether you have student loans, credit card debt, or a mortgage, it's important to have a plan for paying off your debts. Start by making a list of all your debts, including the total amount owed, interest rates, and minimum monthly payments. Consider using the debt snowball or debt avalanche method to pay off your debts strategically. The debt snowball method involves paying off the smallest debt first, while the debt avalanche method focuses on paying off the debt with the highest interest rate first. Whichever method you choose, the key is to stay consistent and disciplined in your debt repayment efforts. In addition to managing your budget, savings, investments, and debt,it's important to protect your financial well-being with insurance. Insurance canprovide a safety net in case of unexpected events, such as illness, disability, or accidents. Consider getting health insurance, disability insurance, life insurance, and home or renter's insurance to protect yourself and your family. Whileinsurance may seem like an unnecessary expense, it can save you from financialruin in the event of a crisis. Moreover, it's crucial to educate yourself about personal finance and continuously seek to improve your financial literacy. There are many resources available to help you learn about money management, such as books, podcasts, online courses, and financial websites. Take the time to educate yourself about topics like budgeting, investing, taxes, and retirement planning. The more you know about personal finance, the better equipped you'll be to make informed decisions about your money. Lastly, it's important to set financialgoals and regularly review your progress. Whether your goals are short-term, like saving for a vacation, or long-term, like buying a home or retiring early, having clear financial goals can help you stay motivated and focused on your financial journey. Regularly review your goals and make adjustments as needed, especially when your life circumstances change. Celebrate your financial milestones, nomatter how small, and stay committed to achieving your goals. In conclusion, personal finance is a critical aspect of everyone's life, and it's important to have a good understanding of how to manage your money effectively. By creating a budget, prioritizing saving and investing, managing debt, obtaining insurance, educating yourself about personal finance, and setting financial goals, you can improve your financial situation and work towards achieving your financial aspirations. Remember that personal finance is a journey, and it's okay to seek help from financial professionals or trusted individuals if you need guidance.With dedication and discipline, you can take control of your finances and build a secure financial future for yourself and your loved ones.。
GB_T 23697-2009_个人理财 理财规划师的要求
GB/T 23697-2009 个人理财理财规划师的要求
基本信息
【英文名称】Personal financial planning―Requirements for personal financial planners 【标准状态】现行
【全文语种】中文简体
【发布日期】2009/5/6
【实施日期】2009/10/1
【修订日期】2009/5/6
【中国标准分类号】A11
【国际标准分类号】03.060
关联标准
【代替标准】暂无
【被代替标准】暂无
【引用标准】GB/T 27024,ISO/IEC 17000,ISO/IEC 17050(所有部分)
适用范围&文摘
本标准定义了个人理财规划过程，并规定了对理财规划师职业道德、从业能力和工作经验等方面的要求。
学习使人进步
本标准适用于所有理财规划师，不考虑其职业状态。
本标准描述并说明了进行理财规划师合格评定的各种方法，并规定了每种方法的应用要求。
做好人力资源，企业无忧。
财务计划的基本步骤包括
步骤一：计算改变生活如果世上有第八大奇迹的话，那肯定就是计算复利的公式了：资金x (1 + i)n。
（如果您不擅长数学，请不要担心，我们下面就为你解密这个公式。
）爱因斯坦把这个看似来很简单的公式称为“史上最伟大的数学发现”。
其实她更是您通往财务独立的钥匙。
没错，仅仅三项直接的投入就能够改变你的生活：投资额，回报率以及投资时间。
你是不是讨厌数学？但你总喜欢钱吧？那就继续读下去吧。
因为文字不足以描述出复利的神秘本质，所以我们就尽量使用一些图表。
在中国月薪1,200应该不难，下面我们介绍用四种不同的储蓄方法投资1,200元，各种方法是如何获益的。
【1,200元的投资是如何增长的】*表中数据取自股票市场的历史回报率。
正如您所看到的，只是把一整笔款项储存起来， 40年后，1,200元就变成大约40,000元。
不但本金获息，利息也会产生利息。
您要做的就是把您第一份薪水拿来投资。
但说实在了：40年后的37,691元已经不是今天的37,691元，已经贬值了。
所以，让我们对投资计划做个小小的调整，每年投资1,200元。
我们将目睹复利出现一种让人兴奋的状态。
【比前一表格更加具有吸引力的表格】现在我们有50万！还不错，是吧？但是，我们觉得还能超过这个数。
事实上，要接近100万元这个神奇的里程碑并不难。
一年只需要存2,500（每个月不过是区区208元而已），按9%的利率算，40年后，你就能赚到一百万。
或者你也可以每年只存1,200，同时提高投资技巧，也能赚到一百万（本系列剩下的篇幅就是教你如何提高投资技巧）。
如果你的年平均收益率能比股市平均年回报率高上3点，那你就稳赚一百万了。
复利的最大优点就是：不管你是投资20元，还是20万元，复利都同样适用。
来吧，研究一下这个复利计算器，你就会理解我们在说什么了。
如果你想用现有资源变成百万富翁，那么就请继续阅读。
【美国洗衣女的神奇传说】奥西奥拉麦卡蒂，1908年生于美国密西西比州。
商业银行个人理财服务规范
商业银行个人理财服务规范1 范围本标准规定了商业银行个人理财业务服务的基本原则、一般要求等。
本标准适用于有资质的从事个人理财业务经营管理的商业银行。
2 规范性引用文件下列文件对于本文件的应用是必不可少的。
凡是注日期的引用文件，仅所注日期的版本适用于本文件。
凡是不注日期的引用文件，其最新版本（包括所有的修改单）适用于本文件。
GB/T XXXXX 商业银行个人理财客户风险承受能力测评规范3 术语和定义GB/T XXXXX界定的以及下列术语和定义适用于本文件。
3.1个人理财 personal finance在对个人资产、负债等数据进行分析整理的基础上，按照个人风险承受能力，结合预定目标运用多种手段管理资产和负债，合理安排资金，从而在个人风险可以接受范围内实现资产增值最大化的过程。
3.2个人理财业务 personal financial business商业银行为个人客户提供的财务分析、财务规划、投资顾问、资产管理等专业化服务活动。
注：商业银行个人理财业务按照管理运作方式不同，分为理财顾问服务和综合理财服务。
3.3理财顾问服务 financial advisory services商业银行向客户提供的财务分析与规划、投资建议、个人投资产品推介等专业化服务。
注：商业银行为销售储蓄存款产品、信贷产品等进行的产品介绍、宣传和推介等一般性业务咨询活动，不属于理财顾问服务。
3.4综合理财服务 integrated financial services商业银行在向客户提供理财顾问服务的基础上，接受客户的委托和授权，按照与客户事先约定的投资计划和方式进行投资和资产管理等专业化服务。
3.5个人理财计划 personal financial plan商业银行在对潜在目标客户群分析研究的基础上，针对特定目标客户群开发设计并销售的资金投资和管理计划。
3.6销售人员 sales面向个人客户从事商业银行理财产品宣传、推介、销售等相关活动的银行人员。
个人投资理财学概述
第三节 个人人理财的一般步骤
一、明确自己现有的财务状况
❖包括两个阶段
▪ 收集个人财务信息 ▪ 整理个人财务信息
❖个人资产分析
❖ 计划性：确定目标、拟定计划、执行计划
❖ 主动性：你不理财，财不理你 ❖ 长期性：终身理财 ❖ 风险性：不确定性很强
关键词：目标 风险 收益 时间
结论：个人理财的目标
个人理财的目标是建立一个财务 安全健康的生活体系，实现人生 各阶段的目标和理想，最终实现 财务的自由。
二、个人理财和公司理财的区别
个人负债 ＝ 个人净资产
（1）购房、购车贷款等 形成的家庭长期负债。 （2）股票、债券抵押融 资等形成的中期负债。 （3）信用卡透支、应付 罚款、朋友借款等形成 的短期负债。
第二步：了解个人的投资风险偏好
❖风险偏好就是人对风险的态度,是对一项风 险事件的容忍程度,一般分为风险喜好者/风 险中性者/风险厌恶者
❖人的风险偏好和他的财富/教育/性别/年龄/ 婚姻等因素有关
❖风险偏好和风险承受能力是不同的
❖由于一个人随着年龄的增大，对风险承受能 力降低，会逐渐失去从一项巨大投资失败中 恢复过来的潜力，所以了解自己的风险偏好 是非常重要的。
理财模式
理财模式
理财建议
保守型
适合收入水平低、闲置资金少、家庭负担大、抗风险能力较差的家庭， 如下岗职工家庭和年龄较大的退休家庭，回避投资风险是保守型理财的 最主要目标，因此应首选银行储蓄、国债等风险较小的金融理财品种。
主要内容
包括现金规划、储蓄规划、投资规划、 保险规划、税收规划、退休规划以及遗 产规划等内容
私人理财personal finance
Improve rate of return(investment)
Personal Financial Planning Process
Execution Discipline and perseverance Assபைடு நூலகம்stance from professionals
（ accountants, financial planners, investment advises, and lawyers.）
↑
﹡ ↓ ˉ ↓ ﹡ ˉ ↑对比去年排名上升 ↓对比去年排名下降 －对比去年排名不变 ﹡对比去年新进前十
Top 10 in China
排名 姓名 财富 （RMB） 全球排名 主要财富来源 年龄 居住地
Jeff Bezos
CEO and Founder , Real Time Net Worth-as of 3/9/18
Personal Financial Planning Process
Assessment: Balance sheets（资产负债表） Personal assets : (car, house, clothes, stocks, bank account） Personal liabilities : (credit card debt, bank loan, mortgage) Personal income statement （ income and expenses ）
Personal Financial Planning Process
Goal setting:
Short- term goals Long-term goals.
Personal Financial Planning Process
理财规划师概况
理财规划师概况理财规划师（Financial Planner)是为客户提供全面理财规划的专业人士。
是指运用理财规划的原理、技术和方法,针对个人、家庭以及中小企业、机构的理财目标，提供综合性理财咨询服务的人员。
职业定义：运用理财的原理、方法和工具，为客户提供理财规划服务的专业人员。
职业能力特征：身体健康,具有一定的观察、理解、计算、分析、综合、判断、应变、书面与口头表达、沟通交流、协调及自主学习和继续学习的能力。
基本文化程度：大专毕业。
理财规划师简介理财规划（Financial Planning)是指运用科学的方法和特定的程序为客户制定切合实际的、具有可操作性的某方面或综合性的财务方案，它主要包括现金规划、消费支出规划、教育规划、风险管理与保险规划、税收筹划、投资规划、退休养老规划、财产分配与传承规划。
理财规划的目的在于能够使客户不断提高生活品质，即使到年老体弱或收入锐减的时候，也能保持自己所设定的生活水平。
理财规划的目标有两个层次：财务安全和财务自由.理财规划是一个评估个人或家庭各方面财务需求的综合过程，它是由专业理财人员通过明确客户理财目标，分析客户的生活、财务现状,从而帮助客户制定出可行的理财方案的一种综合性金融服务。
职业介绍理财规划师(Financial Planner)是为客户提供全面理财规划的专业人士。
按照中华人民共和国人力资源和社会保障部(,理财规划师是指运用理财规划的原理、技术和方法，针对个人、家庭以及中小企业、机构的理财目标,提供综合性理财咨询服务的人员。
理财规划要求提供全方位的服务，因此要求理财规划师要全面掌握各种金融工具及相关法律法规,为客户提供量身订制的、切实可行的理财方案，同时在对方案的不断修正中，满足客户长期的、不断变化的财务需求.工作内容在理财规划实际工作中，财务安全和财务自由目标在现金规划、消费支出规划、教育规划、风险管理与保险规划、税收筹划、投资规划、退休养老规划、财产分配与传承规划八个具体规划当中体现,集中表现为以下八个方面:1.必要的资产流动性。
外文翻译--财务算术、净值、财务管理技能客户特征基础上的财务风险承受能力
原文：Financial Numeracy, Net Worth, and Financial Management Skills: Client Characteristics That Differ Based on Financial Risk Tolerance IntroductionThe personal financial planning literature over the past two decades, particularly papers published in the academic press, has increasingly focused on the exploration of the role demographic, socioeconomic, and psychosocial factors play in impacting individuals appetite for risk. There is an obvious reason for this interest in risk tolerance and resulting risk-taking activities on the part of consumers. As Roszkowski and Davey pointed out, “Assessment of risk tolerance is now generally recognized as a prerequisite to the development of a sound financial plan.” As such, it is important for financial advisors to have a defensible understanding of the factors associated with a current or potential client’s tolerance for risk.According to Grable, “financial risk tolerance is defined as the maximum amount of uncertainty that someone is willing to accept when making a financial decision.”Additionally, the conce pt can be viewed as a person's “willingness or unwillingness to undertake a nonguaranteed course of action.”Finke and Huston stated, “People are rationally willing to take risks because they expect the additional utility derived from the positive outcome will, on average, outweigh the reduced utility from a negative outcome. In personal finance, willingness to take risk involves accepting an increased probabilit y or degree of potential loss.”From a financial advi sor’s perspective this simply means that clients ought to be willing to take on additional levels of investment risk in order to increase potential returns, which, if the returns are actually realized, should increase the client’s level of satisfaction and happiness. For example, Finke and Huston demonstrated in their study that a willingness to take financial risk was associated with a significantly higher net worth and that, for persons over the age of 65, risk tolerance was among the strongest predictors of a higher net worth.The link between financial risk tolerance and wealth acumination, as suggested above, is relatively well-known in the practitioner and academic communities. Morerecently, the associations among risk tolerance, financial numeracy, and financial management skills, the latter concepts both being individual psychosocial factors, have garnered attention at the highest policy levels.It appears that across the spectrum of interests, policy makers, financial services practitioners, and researchers are looking for more evidence to help consumers make better financial decisions. Financial numeracy may provide a link to such evidence. The term financial numeracy is relatively new. Championed by Huhmann and McQuitty, financial numeracy is defined as “proficiency in processing, understanding, acquiring, and using financial information and concepts based on a consumers capacity and prior knowledge in this area.”Huhmann and McQuitty proposed a model of financial numeracy in an attempt to close the gap in the literature that shows an extremely limited amount of research by scholars to develop consensus definitions of related concepts, such as financial literacy, financial education, financial knowledge, or financial capability. In a sense, it appears that what some have called financial capability and financial literacy appear to be migrating and morphing into this new, broader construct known as financial numeracy. Huhmann and McQuitty argued that factors such as financial information-processing capacity, knowledge, and experience combine to allow individuals to navigate the complex financial marketplace. While related to cognitive ability and financial knowledge, the concept is as much a subjective evaluation of one's own financial processing ability as it is an objective measure of intelligence.It has been hypot hesized in the literature that “financial savv iness”, or what is referred to in this study as including both financial numeracy and financial management skill, plays a key role in the accumulation and preservation of wealth, especially during bear markets. For example, financial knowledge, as a generalized aspect of financial numeracy, is known to be positively associated with both risk tolerance and wealth accumulation, as is a pe rson’s proficiency in making financial decisions based on training and experience—i.e. financial management skill. It is not surprising then that households that exhibit relatively high risk tolerance, financial numeracy, and financial management skills might also display signs of wealthaccumulation that exceeds that of households with low tolerances for risk and low levels of financial knowledge and management skills.The purpose of this study was to test the extent to which there are differences in financial risk tolerance based on a linear combination of financial numeracy, net worth, and financial management skills, while controlling for age. Specifically, measures of financial numeracy, net worth, and financial management skills are introduced and tested. As will be shown, these three measures appear to provide a useful insight into the subjective attitudes of clients. It is possible that these measures could be included in an advisor’s data gathering materials and assist the advisor in the process of educating clients to achieve their financial objectives.Measure of financial risk toleranceFinancial risk tolerance was measured with a single item called the Survey of Consumer Finances (SCF) risk question. The SCF risk question has been used as a measure of financial risk tolerance by the Federal Reserve Board for over two decades, and tests using the question have been published every year in a wide variety of contexts.Which of the statements on this page comes closest to the amount of financial risk that you are willing to take when you save or make investments?1. Take substantial financial risk expecting to earn substantial returns.2. Take above-average financial risks expecting to earn above-average returns.3. Take average financial risks expecting to earn average returns.4. Not willing to take any financial riseThe validity and reliability of the question has been reported in the literature. Research conducted by Grable and Lytton showed that the item provides researchers and practitioners with a reasonable level of face validity. The question seems to be a particularly effective measure of investment risk tolerance. Consider the following insight from Yao and Hanna: “The SCF risk-tolerance measure may be a useful indicator of intentions in investing, and may be superior to measures of risk tolerance based on actual portfolio allocation, since many households have no investment assets.”So , while the risk question may not provide a comprehensive view of aperson’s overall tolerance for financial risk, the question is generally thought to do a reasonable job of helping researchers and practitioners evaluate tolerance for investment risks.In this study, the risk question was employed as a categorical predictor containing and defining multiple levels of risk. Respondents to this question classified themselves according to one of the levels of risk. Responses were coded as follows: “Not willing to take any financial risks” = 1 ; “Take average financial risks expecting to earn average returns” = 2; “Take above average financial risks expecting to earn above-average returns” = 3; and “Take substantial financial risks expecting to earn substantial returns” = 4. Using the language of PASW, the risk question was entered into the model as the primary fixed factor. Descriptive statistics for the question are shown in Table 1.The effect of financial risk toleranceTable provides evidence to address the three research hypotheses of this study. For financial numeracy, after controlling for age, individuals who classified them- selves as not risk seeking (SCF = 1, ß= -1.80, p < .01) scored lower in financial numeracy than individuals who self-classified as average, above-average, or substantially risk tolerant. In other respects, those willing to take average, above-average, and substantial financial risk exhibited similar financial numeracy scores. The Beta coefficient (ß = -1.80) denotes that there was a negative relationship between risk tolerance and financial numeracy. Those who assessed themselves as having no risk tolerance scored, on average, 1.80 points lower in financial numeracy than individuals who assessed themselves as substantial risk takers.In terms of net worth, after controlling for age, no risk takers displayed the lowest levels of self-assessed net worth (SCF = 1, ß = -2.34, p < .01). In this case, those with no tolerance for risk scored 2.34 points lower than substantial risk takers on the net worth scale. Across and between the other risk categories, the differences in net worth were insignificant and not different from each other. The results from the test of the financial management skills dependent variable, after controlling for age, were relatively consistent with the previous findings from this study. Individuals whoclassified themselves as risk avoiders categorized themselves as having the lowest satisfaction with their financial management skills (SCF = 1, ß = -1.24, p < .05). As was the situation with financial numeracy and net worth, average, above-average, and substantial risk takers were not significantly different from one another, although it is worth noting that above average risk takers self-assessed at the highest financial management skill level. In terms of financial management skill satisfaction, non-risk takers scored 1.24 points lower than substantial risk takers on the satisfaction scale.Pair wise comparisons were used to confirm the findings. It was revealed that, in terms of financial numeracy, individuals who were not willing to take risk (M = 5.53) were substantially different from average risk takers (M = 6.545), above-average risk takers (M = 6.69), and substantial risk takers (M = 7.33). A similar pattern was noted in terms of net worth. Those not willing to take risk (M = 5.46) were substantially different from average risk takers (M = 7.491), above-average risk takers (M = 8.20), and substantial risk takers (M = 7.80). The same relationships were noted in terms of financial management skills. Respondents who indicated having no tolerance for financial risk reported the lowest financial management skills (M = 5.01) compared to average (M = 6.60), above-average (M = 6.81), and substantial (M = 6.25) risk takers.Source:John E.Grable,Ronald A.Sages,2010.“Financial Numeracy, Net Worth, and Financial Management Skills:Client Characteristics That DifferBased on Financial Risk Tolerance” .Journal of Financial Service Professionals,V ol.64 Issue 6,pp.57-65.译文：财务算术、净值、财务管理技能:客户特征基础上的财务风险承受能力简介个人理财规划文献在过去的20年里，特别是学术报刊上发表的论文，越来越注重人口的作用，社会经济的探索，与社会心理因素对个人风险偏好的影响。
个人理财英语复习课程
好资料学习-----Personal Wealth Management Service个人理财业务personal financing个人理财个人理财业务personal financial planning个人理财personal wealth management(花旗银行)PFS个人理财服务personal financial Service( )Elite Club理财金账户（工行）Sunflower“金葵花”理财（招行） finance理财通financing Link理财宝 financial TreasuryMoney Mate理财室（中行）民生贵宾服务 Minsheng banking VIP service交银理财 BOCOM Fortunewealth management with Orient card 东方卡理财（浦发银行） investment link 投资通)(Premier(HSBC)汇丰银行卓越理财phonebanking services(HSBC)保本投资产品（汇丰银行）)(HSBC)(汇丰银行电话理财服务 capital protected investment 柜台记账式国债over-the-counter account bondover-the-counter account bond transaction柜台记账式债券交易 agency 开放式基金open-ended funds代理销售开放式基金open-ended funds commission银基通bank-fund link代理发行国债agency issuing government bondsvisible treasury certificate 凭证式国债 Bearer treasury certificate 无记名式国债个人资信服务individual Credit Service代理保管业务safekeeping agency保管箱服务custodial box service保管箱业务safe deposit box serviceassets management资产管理 24小时到账处理业务around-clock service of account management network settlement 网络结算业务 bank-securities link银证通银证转账bank-securities account transferMoney Link 银证通（浦发银行）银证转账（浦发银行）account transfer via money link) bank-insurance link(bonus participated insurance) 分红保险银保通( 开放式基金open-ended fundsbank-fund link银基通open-ended funds commission代理销售开放式基金capital account资金账户 deposit(Margin) account 保证金账户 counter Transfer柜台转账电话银行自助转账telephone Banking self-service transferservice更多精品文档．好资料学习-----a letter of entrustment for transfer 转账委托书委托转账代缴费entrusting transfer and deduction股东磁卡shareholders' magnetic card网络结算业务network settlement国内支付结算业务domestic payment settlement service养老基金old-age pension fund社会保险基金social security fund债券基金bond fund投资基金 investment fund封闭式基金 close-ended fund开放式基金open-ended fundSavings Deposit储蓄存款业务savings deposit活期储蓄存款 demand deposit(current deposit)活期储蓄存款 current deposit passbook活期存折 current checkbook deposit活期支票 time or demand optional deposit定活两便存款 call deposit通知存款 time deposit(term deposit)定期存款 large sum fixed deposit大额定期存款 general fixed deposit普通定期存款 floating time rate deposit定期浮息选择存款 lump-sum deposit and withdrawal整存整取 time deposit of lump-sum deposit and withdrawal整存整取定期储蓄 time deposits of lump-sum depositing and lump-sum整存整取定期存款 withdrawal零存整取 installment fixed deposits零存整取定期储蓄 time deposit of small savings for lump-sum withdrawal 存本取息 interest withdrawal for a principal deposited存本取息定期储蓄 peincipal-receiving and interest withdrawing time deposit整存零取定期储蓄 time saving big money and small drawing定活两便存款 savings / time optional depositsseven-day notice deposit 七天通知存款个人结算账户personal settlement account储蓄账户） (汇丰银行) avings account s（HSBC定期存款账户f ixed deposit account(HSBC) （汇丰银行） renminbi account(HSBC)人民币账户（汇丰银行） children account(HSBC)儿童账户（汇丰银行） statement savings account(HSBC)结单储蓄账户（汇丰银interest bearing savings account(HSBC)行） interest bearing chequeing account(HSBC)生息储蓄账户（汇丰银advance withdrawal and loss-reporting business 行）deposits by correspondence更多精品文档．好资料学习-----生息支票账户（汇丰银deposit collections in different places 行）personal checks提前支取与挂失业务deposit certificate loss reporting通信存款loss reporting for personal checks储蓄存款异地托收savings certificate个人支票personal call deposit储蓄存款挂失interbank deposit and withdrawal个人支票挂失education deposit定期存单个人通知存款通存通兑教育储蓄存款挂失业务procedures of loss reporting存单挂失deposit certificate loss reporting临时挂失 interim loss reporting活期一本通 current All-In-One passbookfixed All-In-One passbook 定期一本通 multiple function debit card 多功能借记卡)汇丰银行Deposit Plus(HSBC)(双利存款Personal Consumer Credit个人消费信贷housing mortgage loan住房抵押贷款个人商业用房贷款individual business house loan房屋装修贷款house refurbishing loan.个人住房贷款individual housing loans自营性住房贷款housing loans on own account委托住房贷款housing loans on authorizationindividual combined housing loans 个人住房组合贷款CITIC Happy Family 中信家家乐汽车消费贷款auto loansloan for refurbishing house 家居装修贷款大额耐用消费品贷款consumer durables loan个人存单质押贷款personal loan secured by CDs/treasury bonds个人消费信贷individual consumption loan小额信用消费贷款petty consumer credit个人信用贷款individual unsecured loanconsumption credit for individual clients 个人消费信贷业务 individualconsumption loan 个人消费信贷) secured loan抵押放款担保放款( small amount private loans 小额贷款 individual auto loan 个人汽车消费贷款个人综合消费贷款 individual comprehensive consumer loanindividual large-denomination durable commodities loan 个人大额耐用消费品贷款更多精品文档．-----好资料学习 personal pledge loan个人质押贷款 travel and vacation loans 旅游度假贷款网上个人质押贷款online personal pledge loan insurance certificate pledge loan 保单质押贷款 deposit certificate pledge loan 存单质押贷款 certificates of deposit(CDs)大额存单 individual comprehensive consumer loan个人综合消费贷款 individual large-denomination durable commodities loan 个人大额耐用消费品贷款 state educational loan国家助学贷款 commercial educational loan 商业助学贷款 overseas study loan 留学贷款 educational loans教育助学贷款Foreign Exchange for Corporate公司外汇业务forex deposit for enterprise单位外汇存款业务活期对公外汇存款current forex deposit for enterprise 定期对公外汇存款time foreign fxchange deposit for enterprise通知对公外汇存款forex deposit for enterprise call外汇贷款业务forex credit外汇流动资金贷款forex working capital loanforex temporary loans 外汇临时流动资金贷款外汇短期流动资金贷款forex short-term loans forex medium-term loans 外汇中期流动资金贷款外汇流动资金循环贷款forex revolving loansforex loans with repayment in Installments 外汇整贷零偿 forex fixed asset loan外汇固定资产贷款 forex fixed asset investment外汇固定资产投资贷款 forex business development and expansion 外汇开发扩建贷款 forex technical innovation 外汇技改贷款 forex fixed asset acquisition外汇固定资产收购贷款International Finance国际融资业务外汇兼并收购贷款forex merger&acquisition loan项目融资project financeBOT）build, operate, transfer 建设经营转让（BT）build, transfer（建设转让 export buyer's credit出口买方信贷 syndicated loan银团贷款 on-lending project finance 外汇转贷款项目融资国际商业贷款融资international commercial loanimport buyer's credit进口买方信贷融资 foreign government loan外国政府贷款融资更多精品文档．学习-----好资料foreign government mixed loan外国政府混合贷款融资国际金融组织贷款融资loan from international financial organizations 外汇转贷款forex transferred loan特色融资业务 f inancing business of features票据贴现bills discount授信额度credit line统一大授信w orldwide credit出口卖方信贷export seller's credit融资租赁finance lease应收账款收购 purchase of the accounts receivable对外劳务承包贷款 external labor service contract loan一路通 distribution passport创业宝 start-up winner国际融资及担保i nternational financing and guarantee business信托业务trust services境外发债融资international debt offering外汇担保业务foreign exchange guarantee借款担保guarantee for loan投标担保tender guarantee履约担保performance bondadvanced payment guarantee 预付款退款担保付款担保payment guarantee验货付款保函verification payment guaranteetechnical verification payment guarantee 技术交易验收付款保函延期付款担保deferred payment guaranteelease guarantee租赁担保 import bills for collection 进口代收 export bills for collection 出口托收出口托收买单purchasing collection bills打包放款（信用证项下）packing loan under L/C转让信用证transferable L/Cnegotiating export bills 议付出口信用证单据 discounting bills （银行承兑）汇票贴现 secured lading担保提货开立保函opening letter of guaranteeforeign exchange payment and clearing service外汇清算业务 settlement clearance for foreign exchange pusiness 外汇业务清算 banking facility授信 foreign exchange rate risks cover 外汇保值避险 guarantee and attestation担保和见证 inter-bank foreign currency borrowings and lendings 金融机构间外汇拆借 asset portfolio management 理财策划 offshore bankingbusiness 离岸金融业务 trade financing贸易融资更多精品文档．好资料学习-----综合授信 general banking facilities 打包放款 Packing Credit进口押汇 import bills purchase出口押汇 export(0utward) bill purchase外币票据贴现 foreign currency bill discount买入外币票据 foreign exchange bills purchase票据贴现 bills discountingForfaiting福费廷（包买票据）Factoring保理业务非贸易融资 non-trade finance银行卡业务Bank Card牡丹信用卡 peony credit card牡丹国际卡 peony international card牡丹灵通卡 peony MoneyLink card牡丹智能卡peony IC(Smart) card牡丹专用卡peony proprietary card牡丹彩照卡peony photo card牡丹联名卡 peony co-branding cardLong龙卡 card储蓄卡savings card借记卡 debit card生肖卡animal card转账卡account transfer card储值卡 pre-paid consumption card专用卡 special-purpose card联名卡（认同卡）co-branded cardGreat Wall长城信用卡 credit cardGreat Wall长城国际卡 international cardGreat Wall长城人民币信用卡 credit card in RMB 太平洋卡pacific card金卡gold card普通卡ordinary card金葵花卡The World's Sunflower发展卡development cardMinsheng民生卡 card东方卡 Orient card真情卡(Lady card 广发银行)维萨卡Visa card万事达卡Master card大莱卡 Diner's card运通卡 American Express card百万卡（日本） Million card卡（日本）JCB cardJCB更多精品文档．好资料学习-----发达卡（香港） Federal cardTerms of Post and Title岗位职务词汇董事会，理事会 board of directors董事长 chairman of the board董事长 chair of board of directors董事长chief executive officer董事director总裁，常务董事managing director代理行长authorized officer中国事务部经理兼主管 manager and head of China desk总经理 general manager(GM)总监 director general总稽核chief controller副总经理 deputy general manager(DGM)首席执行官 chief executive officer(CEO)首席财务总监chief financial officer(CFO)首席市场总监chief market officer(CMO)总经理top manager经理，主任 manager财务经理，财务处（科）长 finance director财务经理 financial manager会计主任，总会计师，财务处长 chief accountantchief cashier 出纳主任 chief clerk 主任办事员 head clerk首席办事员部门主任head of departmenthead teller出纳主任 chief accountant 总会计，会计主任 chief of finance 财务主任sales director 营业副经理；销售处（科）长 sales manager 销售经理directing staff 领导人员最高管理层top management中层管理middle management基层管理lower managementmanager of bank 银行经理人管理人员managerial staff高级职员officer, official财务顾问financial adviserfinancial accountant 财务会计员 financial administrator 财务主管人financial executive财务主管更多精品文档．好资料学习-----审计人员auditing officers主管会计；审计员controller主管会计师accountant in charge会计师，会计员accountant顾问consultant业务顾问management consultant经理人的代理managing agent助理会计师assistant accountant协理，副总经理，副总裁assistant general managerassistant manager 副理，协理 managing partner 办事员 administrative staff 管理人员，行政人员 office staff 办公室职员操作人员operation staff簿记员accounting clerkbank clerk 银行职员 office clerk办事员统计员statistical clerk出纳员pay clerkstaff 职员办事员clerk出纳员cashier出纳员teller顾客，客户customer顾客，客户clientIntermediary Business(1)中间业务汇兑业务remittance services国内汇兑domestic remittance代理汇兑remittance agency汇款直通车remittance express普通汇款 commom remittance加急汇款 urgent remittance票汇(汇票汇款remittance by draft )汇款cash remittance银行本票bank promissory note(bank check)支票check支票簿check Book代理业务agency services基金代理业务fund agency serviceBank-fund Link银基通Bank-futures Link银期通FortuneLink财富通更多精品文档．学习-----好资料bond agency service债券代理业务债券结算代理bonds settlement agency保险代理业务insurance agency service代理理财financing agency代理保管safekeeping agency代理收付collection and payment agency代理结算settlement agency代发工资(业务)salary payment agency(payroll agency service)代发工资（养老金）业务 wages(old-aged pension) distribution agency代理公用事业收费 public utility fee levying agency代理发行国债 issuing government bonds agencycommission collection of telephone fee代收电话费业务Unicom commission collection of telephone fee for 代收联通话费业务 commission collection of electricity charge 代收电费业务commission collection of insurance premium 代收保险费 payment through telephone banking 电话银行缴费 payment through mobile phone banking 手机银行缴费代收付业务network payment settlement agency网上支付结算代理agency collection and paymentcommission payment on consignment 委托缴费 payment in cash现金缴费缴费业务charge withholding service缴费通fee collection expresscommission security business 代理证券业务 agency securities fund clearing 代理证券资金清算 commission tax withholding 代理税收业务代理保险业务commission insurance代签银行汇票agency signing of the banker's billforward settlement期货结算业务 client service center 客户服务中心 customer servicehotline 客户服务热线 bearer treasury certificate 无记名式国债 visible treasury certificate凭证式国债固定面额无记名式国债bearer treasury certificate with fixed denomination 支付凭证 proof of payment(payment vouchers) 转账委托书 a letter of entrustment for transfer 代收代缴费 agency collection and payment代收代扣agency collection and deductionpublic utility Feeentrusting transfer and deduction 公用事业费 agency issuing government bonds委托转账代交费foreign exchange trading agencyautomated transferdeposit(margin) account代理发行国债更多精品文档．学习-----好资料代理外币买卖自动转账保证金账户bill consultancy票据查询 real-time funds transferring 实时资金汇划 counter transfer 柜台转账结算业务 settlement business国内结算业务 domestic settlement service 托收汇票托收承付 draft for collection委托收款 collection and acception 网上结算commission reception 网上购物on-line Settlement 代理证券资金清算on-line Shopping代理收付业务securities and capital settlement agency 客户条形码自动查询commission collection and payment agency 支付结算业务代理client bar code automatic inquiry system 期货结算业务payment and settlement agencyforward settlementnotes clearing票据交换 charged bond trading on the counter 柜台记账式债券交易treasury bills 国库券 treasury bonds长期国债 book-entry treasury bill 凭证式国债 visible treasury certificate 凭证式国债 investment banking 投资银行业务商人银行业务merchant banking咨询性金融业务consultancy-specific financial service基金托管funds trusteeshipcash-based settlement 现金清算 paper-based settlement票据清算 electronic-based settlement 电子清算 transferring settlement 转账结算 accounting settlement business会计结算业务更多精品文档．。
personal finance英语作文
personal finance英语作文Personal finance is an important aspect of our daily lives as it involves managing our money, budgeting, saving, investing, and planning for the future. It is crucial to have a good understanding of personal finance in order to achieve financial stability and security.One key aspect of personal finance is budgeting. Creating a budget allows individuals to track their income and expenses, and helps them to prioritize their spending. By setting limits on how much to spend on different categories such as housing, transportation, groceries, and entertainment, individuals can better manage their money and avoid overspending.Saving is another essential component of personal finance. It is important to save a portion of your income for emergencies, future goals, and retirement. Setting up automatic transfers to a savings account can help individuals save consistently and build a financial safety net.Investing is also an important part of personal finance. Investing allows individuals to grow their wealth over time by putting money into assets such as stocks, bonds, real estate, or mutual funds. It is important to diversify investments to reduce risk and maximize returns.Planning for the future is crucial in personal finance. This includes setting financial goals such as buying a home, starting a business, or retiring comfortably. Creating a financial plan that outlines these goals and the steps needed to achieve them can help individuals stay on track and make informed financial decisions.In conclusion, personal finance plays a significant role in our lives and it is important to educate ourselves onhow to manage our money effectively. By budgeting, saving, investing, and planning for the future, we can achieve financial security and work towards our financial goals.个人理财是我们日常生活中一个重要的方面，它涉及管理我们的资金、预算、储蓄、投资和未来规划。
说一说你的理财规划英语作文
说一说你的理财规划英语作文Financial planning is a crucial aspect of personal and professional life. It involves the careful management of one's financial resources to achieve short-term and long-term goals. Effective financial planning can provide individuals with a sense of security, stability, and control over their financial well-being. In this essay, I will discuss my personal financial planning strategies and the steps I have taken to ensure a secure financial future.One of the primary components of my financial planning is budgeting. I believe that creating and adhering to a well-structured budget is the foundation of sound financial management. I start by tracking my income from various sources, including my salary, investments, and any additional sources of revenue. I then categorize my expenses into essential and non-essential categories, such as rent, utilities, groceries, and discretionary spending. By closely monitoring my spending and identifying areas where I can cut back, I am able to allocate more funds towards savings and investments.Another key aspect of my financial planning is saving and investing. Ihave established a comprehensive savings plan that includes both short-term and long-term goals. For my short-term savings, I maintain an emergency fund that can cover at least six months' worth of essential expenses. This fund serves as a safety net in case of unexpected financial emergencies, such as job loss, medical expenses, or home repairs. Additionally, I contribute a portion of my income to a retirement savings account, such as a 401(k) or individual retirement account (IRA). By starting to save for retirement at an early age, I am taking advantage of the power of compound interest and ensuring that I have sufficient funds to maintain my desired lifestyle in my golden years.In terms of investments, I have diversified my portfolio to include a mix of low-risk and higher-risk options. This strategy helps to mitigate the impact of market volatility and ensures that my investments are aligned with my risk tolerance and long-term financial goals. I have allocated a portion of my investments to stable, low-risk options such as government bonds and high-quality corporate bonds, which provide a steady stream of income. I have also invested in a diverse range of stocks, ranging from blue-chip companies to promising startups, to capitalize on the potential for higher returns.Additionally, I have incorporated insurance planning into my overall financial strategy. I have obtained various types of insurancecoverage, including life insurance, health insurance, and homeowner's or renter's insurance. These policies provide me with a safety net in the event of unexpected life events, such as illness, injury, or property damage. By having these insurance policies in place, I can protect myself and my loved ones from financial hardship and ensure that my long-term goals remain on track.Another crucial aspect of my financial planning is debt management.I have taken steps to minimize my debt burden and maintain a healthy credit score. I have prioritized the repayment of high-interest debt, such as credit card balances, and have developed a plan to systematically pay off any outstanding loans or mortgages. By reducing my debt, I am able to allocate more of my income towards savings and investments, ultimately improving my financial stability and long-term prospects.Finally, I have also incorporated tax planning into my financial strategy. I work closely with a qualified tax professional to ensure that I am taking advantage of all available deductions and credits, and that I am making informed decisions about my tax liabilities. By optimizing my tax situation, I am able to maximize the impact of my financial resources and direct more funds towards achieving my financial goals.In conclusion, my financial planning strategy is a comprehensiveapproach that encompasses budgeting, saving, investing, insurance planning, debt management, and tax planning. By taking a proactive and disciplined approach to managing my finances, I am able to navigate the complexities of personal finance and work towards a secure and prosperous financial future. While financial planning can be a daunting task, the peace of mind and financial stability it provides are well worth the effort.。
财务计划的几种方法
财务计划的几种方法Financial planning is the process of managing your money to achieve personal economic satisfaction. 财务规划是管理你的钱以达到个人经济满足的过程。
It involves setting goals, understanding your current financial situation, and creating a plan to reach those goals. 它涉及设定目标，了解你目前的财务状况，并制定一个达到这些目标的计划。
There are several methods of financial planning that individuals can use to ensure their long-term financial stability. 有几种财务规划的方法可以确保个人长期的财务稳定。
One method of financial planning is budgeting. 财务规划的一种方法是预算。
Budgeting involves creating a plan for how you will spend and save your money. 预算涉及创建一个关于你如何花钱和存钱的计划。
By setting limits on your spending and saving for specific goals, you can ensure that you are using your money in a way that aligns with your financial priorities. 通过限制你的支出并为具体的目标存钱，你可以确保你正在以符合你财务重点的方式使用你的钱。
Another method of financial planning is investing. 财务规划的另一种方法是投资。
我的财务计划和目标英语作文
我的财务计划和目标英语作文My Financial Planning and Goals.Financial planning is a crucial aspect of managing personal finances and achieving long-term financial stability. It involves setting financial goals, creating a budget, and implementing strategies to achieve those goals while managing risks. A comprehensive financial plan can help individuals make informed decisions, prioritize their financial objectives, and prepare for the future.Financial Goals.My financial goals are aligned with my short-term, medium-term, and long-term objectives. Short-term goals span from six months to a year and typically focus on immediate financial needs. These goals include building an emergency fund, paying off high-interest debt, and saving for a down payment on a car or home.Medium-term goals range from one to five years and involve more substantial financial commitments. These goals may include saving for a large purchase, such as a new vehicle or a vacation home, or investing in education or career advancement. Retirement savings and preparing for major life events, such as a wedding or the birth of a child, also fall under this category.Long-term goals extend beyond five years and typically involve substantial financial planning and investment. These goals include securing financial independence during retirement, building a nest egg for children's education, and preserving and growing wealth over time.Financial Planning Strategies.To achieve my financial goals, I have adopted a comprehensive financial planning strategy that encompasses income optimization, budgeting, saving, investing, and risk management.Income Optimization:Optimizing income involves exploring ways to increase earnings and maximize financial resources. This can include negotiating salary increases, pursuing additional education or certifications, starting a side hustle, or investing in income-generating assets such as rental properties or dividend-paying stocks.Budgeting:Budgeting is essential for managing expenses and allocating funds towards financial goals. I use a zero-based budgeting approach, where every dollar of income is assigned to a specific category, including essential expenses, savings, debt repayment, and discretionary spending. This method ensures that I live within my means and prioritize financial objectives.Saving:Saving regularly is a cornerstone of financial planning.I have set up automatic transfers from my checking accountto a dedicated savings account on a monthly basis. This ensures that I consistently contribute towards my goals, regardless of unexpected expenses or fluctuations in income.Investing:Investing is a powerful tool for growing wealth over time and achieving long-term financial goals. I have diversified my investment portfolio across different asset classes, including stocks, bonds, and alternative investments. I consider factors such as risk tolerance, investment horizon, and return expectations when making investment decisions.Risk Management:Risk management is crucial for protecting financial assets and ensuring financial stability. I have adequate insurance coverage for health, life, and property. Additionally, I regularly review my investment portfolioand adjust asset allocation to manage risk and optimize returns.Monitoring and Review.Financial planning is an ongoing process that requires regular monitoring and review. I track my progress towards financial goals, review my budget, and assess investment performance periodically. This allows me to make necessary adjustments and ensure that my financial plan remains aligned with my objectives and circumstances.Professional Guidance.When necessary, I seek guidance from a qualified financial advisor. A financial advisor can provide personalized advice, help me develop a tailored financial plan, and navigate complex financial decisions. Their expertise can enhance my financial literacy and optimize my financial planning efforts.Conclusion.Financial planning is a multifaceted endeavor thatrequires discipline, planning, and a commitment to achieving financial goals. By setting clear financial objectives, implementing a comprehensive strategy, and monitoring progress, I am working towards securing my financial future and achieving my aspirations. Regular review and adjustments ensure that my financial plan remains aligned with my evolving needs and circunstancias, empowering me to navigate financial challenges and build a solid financial foundation.。
个人理财英语作文
个人理财英语作文Personal finance is an important aspect of our livesthat requires careful planning and management. As individuals, it is crucial to have a clear understanding of our financial goals and priorities in order to make informed decisions about our money.There are several key steps that can help individuals effectively manage their finances. Firstly, creating a budget is essential to track income and expenses, and identify areas where spending can be reduced or saved. This can help ensure that money is being allocated wisely and in accordance with one's financial goals.Another important aspect of personal finance is saving and investing. Setting aside a portion of income for savings and investments can help individuals build wealth over time and achieve financial security. Whether it be saving for emergencies, retirement, or other financial goals, having a savings plan in place is crucial for long-term financial success.In addition to saving and investing, it is alsoimportant to manage debt responsibly. This includes paying off high-interest debts, such as credit card debt, in a timely manner and avoiding taking on unnecessary debt whenever possible. By managing debt effectively,individuals can avoid financial stress and improve their overall financial health.Overall, personal finance is a key component of ahealthy and successful financial future. By creating a budget, saving and investing wisely, and managing debt responsibly, individuals can take control of their finances and work towards achieving their financial goals.个人理财是我们生活中一个重要的方面，需要仔细的规划和管理。
Personal Financial Planning 个人理财规划
What is your latte factor?
“We’ve all got a latte factor, regardless of our income level.” – David Bach • Designer coffees • Lunch in restaurants • Impulse buys • The latest, greatest [fill in the blank]
Four types of investments • Investments that pay interest (savings accounts, bonds, GICs, etc.) • Shares in a company (stocks, mutual funds that invest in stocks, etc.) • Property (real estate, art, precious metals, etc.) • Direct investment in a business
Personal Financial Planning
CIE3M
Overview of what’s ahead…
Financial planning principles and economic issues related to… • Budgeting • Saving • Investing
Why save for • Feel more secure and in control. the future? • Be prepared for emergencies. • Reduce stress and conflict. • Spend with less guilt or fear. • Afford major purchases. • Pay off debt and avoid new debt. • Retire comfortably.
英语作文 理财
As life circumstances change, so too should financial strategies. Marriage, starting a family, changing careers, or nearing retirement all warrant adjustments to financial planning. Regularly review and update your financial plan to reflect any major life events or shifts in income. Being flexible and adaptable with financial strategies can help ensure long-term success.
In conclusion, effective financial management is attainable for anyone willing to educate themselves and take proactive steps towards their financial goals. By creating a solid financial plan, investing wisely, and practicing good money habits, individuals can build a secure financial future for themselves and their families. With the right mindset and commitment, financial success is within reach.
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Personal financial planning
What financial planning is
The steps of financial planning
Some useful tips
financial planning
The true financial planning includes cash planning, investment planning, risk management and insurance planning, real estate planning, estate planning etc.
The steps of financial planning
4. Caculate your personal net worth. 5. Be aware of your regular expenditure . Look over all the bills and expenses in past three months, and then, list all the items of expenditure according to different categories. 6. Take control of expenditure.You can do that by comparing monthly income with expenses.
Many people never take time to do the financial planning. Actually, goal setting allows you to take control of your savings and work toward your dreams.
thank you！ ！
The steps of financial planning
7. Insist on saving. To calculate how much money should be kept each month, put the money deposited directly into your bank account. This is a key element of financial goal achievement. 8. Investment. Investment is always accompanied by risks. If you do not know how to prevent risks, you should buy treasury bonds and investment funds. 9. Buy the insurance. It does good to you and your family in the future. Property insurance and health insurance are the right choices.
Some tips for your planning
Tip 1 It's good for young adults to go and search on the Internet for financial advice. Many magazines and newspapers like the economist, financial times, telegraph, observer etc can also give financial advice. There are also some programs on TV and radio what can help some people can get there financial advice from. Saving is more important than you think it is.
Also the housing boom has meant that it has become more difficult to buy a property without a substantial deposit. So financial planning can not wait ！
Tip 2
Tl opinion
We live in an uncertain world where jobs are easy to lose, incomes fragile and where relying on the state for anything more than a basic financial safety net looks foolhardy.
Different goals may have different time frames. Generally, the time frames for goal setting can be divided into short-term, medium-term or long-term.
The steps of financial planning
2. Determine the order of the goal achievement. Discuss with your family to make sure what goals are most important to you.
3. The money required. For achieving these goals, you need to make it clear that how much money you should save each month.
1. Define your goals. You could set the short-term and longterm financial goals. If you think some goals are too large, you can divide them into small targets.