Wisdom Tree knows the answers to the 2023 face-to-face course of "Personal Finance (Xi'an Eurasian College)"

1. The consumption outlook of college students is characterized by imitation, repetition and blindness. ( ).

A. Difference-seeking psychology

B. Comparison psychology

C. Herd psychology

D. Realism-seeking psychology

2. There are three main types of household consumption patterns. The following is not one of them ().

A. Income is greater than expenditure

B. Income and expenditure balance out

C. Expenditure is greater than income

D. Income and expenditure are irrelevant

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Correct answer: Income and expenditure have nothing to do with it

3. In order to prepare for the purchase of a house, the channels through which Mr. Li can invest do not include ().

A. Treasury bonds

B. Bond funds

C. Bank deposits

D. Stock index futures

Correct answer: Stock index futures

4. For "money earners", consumption expenditures often exceed salary income, and sometimes the family's original wealth accumulation has to be used to fill the gap, and even debts are required. If this situation continues, as time goes by, family wealth will be exhausted and the family will fall into a financial crisis. This consumption pattern belongs to ( ).

A. Income exceeds expenditure consumption model

B. Income and expenditure offset consumption model

C. Expenditure exceeds income consumption model

D .Income and expenditure have nothing to do with consumption pattern

Correct answer: Expenditure is greater than income consumption pattern

5. Financial planners should follow principles when helping clients determine their home purchase needs. The following are the following explanations of these principles: The description error is ( ).

A. Don’t blindly pursue big goals

B. Don’t need to do it all at once

C. Act within your capabilities

D. Need to consider the long term< /p>

Correct answer: No need to do it all at once

6. College students’ consumption outlook generally has ( ).

A. Difference-seeking psychology

B. Comparison psychology

C. Herd psychology

D. Realism-seeking psychology

Correct answer: psychology of seeking differences #comparison psychology #herd mentality #realistic psychology

1. Compared with other plans, () is the least time flexible and cost flexibility financial goals.

A. Children’s education fund

B. Investment funds

C. Start-up fund for house purchase

D. Retirement pension

Correct answer: Children’s education fund

2. In addition to demand deposits, there are many other instruments for liquid assets. The following are liquid assets ()

A. Stocks

B. Bonds

C. Index funds

D. Money market funds

Correct answer: Money market funds

3. The incorrect statements about credit cards are ()

A. Credit cards can be divided into broad credit cards and narrow credit cards

B. Credit cards in the broad sense include credit cards, Quasi-credit cards, debit cards, etc.

C. Banks will pre-deposit part of the funds on credit cards for consumers to spend

D. In a narrow sense, credit cards mainly refer to financial institutions Or a credit card issued by a commercial institution, that is, a credit card that can be used for loan consumption without pre-deposit

Correct answer: The bank will pre-deposit a part of the funds in the credit card for consumer consumption

4 Mr. Chen is a university professor with a relatively stable job. The suitable repayment method for him is ( )

A. Equal principal and interest repayment method

B. Equal principal repayment Method

C. Repayment method of equal installments in decreasing installments

D. Repayment method of equal installments in increasing installments

Correct answer: Repayment method of equal installments of principal

A. Education burden ratio = (total children’s education fee / total family assets)? 100%

B. Education burden Ratio = (Children’s Education Fund Cost/Family After-Tax Income at That Time)?100%

C. Education Burden Ratio=(All Children’s Education Fund Cost/Family After-Tax Income at That Time)?100%

D. Education Burden Ratio = (Children’s Education Fund Cost/Family Total Assets)? 100%

Correct answer: Education Burden Ratio = (Children’s Education Fund Cost/Family After-Tax Income at That Time) )?100%

1. The primary goal of financial planning is ( )

A. Financial independence

B. Financial security