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