From the analysis of previous personal financial management exams, many calculation questions will be involved in the exam, accounting for 20 points of the whole paper, and the difficulty coefficient reaches five stars. This may make many candidates daunting. But the calculation problem is not too difficult. The key is to remember the formula, and the problem itself mainly examines some basic calculations.
The necessary test sites for personal financial management are mainly in chapters 2, 4, 6 and 7, and you need to focus on (understand) memory before the test.
The important knowledge points of specific chapters are summarized as follows:
Chapter 1 Overview of Personal Finance (about 5 points)
Section 1 Relevant definitions of personal management
Knowledge point 1: the definition of personal finance
Knowledge point 2: Personal finance business related subjects (familiar)
Knowledge point 3: Classification of personal financial services of banks (understanding)
Section 2 Development and Reasons of Personal Finance Business (Understanding)
Knowledge point 1: the development of personal finance business
Knowledge point 2: The reasons for the rapid development of domestic personal finance business
Section 3 Qualifications and Requirements of Financial Planners
Knowledge point 1: the position of financial planner (understanding)
Knowledge point 2: Professional characteristics of financial planners (understanding)
Knowledge point 3: financial planner qualification (proficient)
Chapter II Laws and regulations related to personal finance business (about 20 points)
Section 1 Basic knowledge of laws and regulations of financial planners
Knowledge point 1: the importance of legal knowledge
Knowledge point 2: China's legal system (familiar)
Knowledge point 3: Introduction of civil legal relationship
Knowledge point 4: Legal relationship of contract
Section 2 Financial Planning Laws and Regulations (Mastering)
Knowledge Point 1: Property Law (Mastering)
Knowledge Point 2: Marriage Law (Proficiency)
Knowledge point 3: sole proprietorship enterprise law and partnership enterprise law (familiar)
Section 3 Laws and Regulations Related to Wealth Management Products and Sales (Familiar)
Knowledge point 1: Important laws and regulations on the design of wealth management products of commercial banks
Knowledge point 2: laws and regulations involved in fund consignment business
Knowledge point 3: Relevant laws and regulations involved in insurance agency business.
Knowledge point 4: laws and regulations involved in bank and credit management business.
Knowledge point 5: laws and regulations involved in gold futures trading business
Knowledge point 6: laws and regulations involved in personal foreign exchange management
Chapter III Overview of Financial Investment Market (about 5 points)
Section 1 Overview of Financial Markets
Knowledge point 1: the concept of financial market
Knowledge point 2: Characteristics of financial markets (mastery)
Knowledge point 3: financial market elements (master)
Knowledge Point 4: Financial Market Function (Mastering)
Section 2 Classification of Financial Markets (Mastering)
Knowledge point 1: tangible market and intangible market
Knowledge point 2: distribution market and circulation market
Knowledge point 3: money market and capital market
Knowledge point 4: financial market function
Section III Introduction of Investment and Financial Management Market (Mastering)
Knowledge point 1: introduction to money market
Knowledge point 2: Introduction to the bond market
Knowledge point 3: Introduction to the stock market
Knowledge point 4: Introduction of financial derivatives market
Knowledge point 5: Introduction to foreign exchange market
Knowledge point 6: Introduction to insurance market
Knowledge point 7: Introduction to precious metal market and other investment markets
Chapter IV Overview of Financial Products (about 25 points)
Section 1 Bank wealth management products
Knowledge point 1: Overview of bank wealth management products
Knowledge point 2: Classification and characteristics of bank wealth management products (Master)
Knowledge point 3: Risks and legal constraints of bank wealth management products (Master)
Section 2 Bank Agent Financial Products
Knowledge point 1: Overview of bank agent wealth management products
Knowledge point 2: Fund (Proficiency)
Knowledge Point 3: Insurance (Proficiency)
Knowledge Point 4: National Debt (Master)
Knowledge Point 5: Trust Products (Master)
Knowledge point 6: precious metals (familiar)
Knowledge Point 7: Brokerage Asset Management Plan (Understanding)
Section 4 Other Financial Products (Familiar)
Knowledge point 1: stocks
Knowledge point 2: SME private debt
Knowledge point 3: products of fund subsidiaries
Knowledge point 4: partnership private equity fund
Chapter V Customer Classification and Demand Analysis (about 5 points)
The first section (understanding) the importance of customer needs (familiarity)
Knowledge point 1: the development trend of enterprise management concept
Knowledge point 2: Job responsibilities of financial planners
Knowledge point 3: financial service specification and quality requirements
Section II (Understanding) Main Contents of Customers
Knowledge point 1: (understand) the main content of customers.
Knowledge point 2: customer demand analysis
Section 3 Customer Classification and Customer Demand Analysis
Knowledge points 1: Different customer classification methods (familiarity)
Knowledge point 2: the relationship between life cycle and customer demand (master)
Section IV (Ways to Know Your Customer) (Mastering)
Knowledge point 1: account opening information
Knowledge point 2: Questionnaire
Knowledge point 3: face-to-face communication
Knowledge point 4: telephone communication
Chapter VI Financial Planning Calculation Tools and Methods (about 20 points)
Section 1 Basic Concepts of Time Value of Money
Knowledge point 1: the concept of time value of money and its influencing factors (familiar)
Knowledge point 2: Basic parameters of time value (mastery)
Knowledge point 3: calculation of present value and final value (mastery)
Knowledge point 4: Compound interest coefficient table (master)
Knowledge Point 5: Rule 72 (Mastering)
Knowledge point 6: Calculation of real interest rate (mastery)
Section 2 Calculation of Rule Cash Flow (Mastering)
Knowledge point 1: ordinary annuity
Knowledge point 2: perpetual annuity
Knowledge point 3: growth gold annuity
Section 3 Calculation of Abnormal Cash Flow (Mastering)
Knowledge point 1: net present value (NPV)
Knowledge point 2: Internal rate of return (IRR)
The fourth quarter financial planning calculation tools
Knowledge point 1: financial calculator (understanding)
The Use of Knowledge Point Excel (Understanding)
Knowledge point 3: Characteristics and comparison of financial management tools (understanding)
Knowledge point 4: the application of time value of money in financial planning (familiar)
Chapter VII Work Flow and Methods of Financial Planners (about 25 points)
Section 1 Overview (Mastering)
Section 2 Contact with customers and establish trust relationship
Knowledge point 1: contact with customers (mastery)
Knowledge Point 2: Building Trust Relationship (Mastering)
Knowledge point 3: Financial service information to inform customers (understanding)
The third section analyzes the current financial situation of customers' families (understanding)
Knowledge point 1: the necessity and basic skills of collecting customer information
Knowledge point 2: the content of customer information
Knowledge point 3: collation of customer information
Knowledge point 4: analyze the current financial situation of customers.
The fourth quarter clear customer financial objectives (master)
Knowledge point 1: the content of financial management objectives.
Knowledge point 2: the principle of determining financial goals
Knowledge point 3: Steps to determine financial goals
The fifth section to develop financial planning scheme (master)
Knowledge point 1: the content of financial planning scheme
Knowledge point 2: formulate and submit a written financial planning plan.
Section VI Implementation of Financial Planning Scheme (Familiarity)
Knowledge point 1: the principle of implementing financial planning scheme
Knowledge point 2: Factors needing attention in implementing financial planning scheme
Knowledge point 3: customer file management
Section 7 Follow-up Services (Understanding)
Knowledge point 1: the necessity of follow-up service
Knowledge point 2: Implementation plan tracking and evaluation service
Knowledge point 3: Never evaluate the adjustment plan regularly.
Knowledge point 4: Spiral promotion from tracking service to comprehensive planning