1, the ultimate goal of financial planning is to achieve ()

A, financial independence B, financial security C, financial independence D, financial freedom

2, the following does not belong to personal financial security measures is ()

A, whether there is a stable and sufficient income B, whether to buy appropriate insurance.

C, whether to enjoy social security d, whether to prepare a will.

3. The continuous financial management service does not include ()

A. regularly evaluate the financial plan. B. irregular information service.

C, irregular scheme adjustment D, regular income survey of customer units.

4. The goal of customer financial planning is usually to preserve and increase the value of their property. The goal of the following () plan is more inclined to increase the property value of customers.

A, cash plan B, risk management and insurance plan

C, investment planning D, property distribution and inheritance planning

5. The core principle of professional ethics of financial planners is ()

A, personal integrity b, cooperative spirit c, objectivity and fairness d, strict confidentiality.

6, the following violation of the principle of objectivity and justice is ()

A, financial planners use their own professional knowledge to judge. B, there is no emotion in the process of financial planning.

C, because they are friends, they are partial to them in the property distribution planning scheme.

D. Any conflict of interest that occurs or may occur in the course of practice shall be disclosed to the relevant parties at any time.

7. The financial planner encroaches on or steals the property of customers or institutions, and if the circumstances are serious, it shall be borne by the financial planner ().

A, criminal legal liability B, administrative legal liability

C, civil legal liability D, industry self-regulatory agency sanctions

8. Non-practicing financial planners violate professional ethics, and the sanctions given by industry self-regulatory agencies do not include ().

First, cancel its qualification as a financial planner; He can't practice for life.

C. Do not take the professional qualification examination for financial planners again. Fine.

9. An enterprise plans to establish a fund plan with an initial investment of 654.38+10,000 yuan per year. If the interest rate is 654.38+00%, the principal and interest of the fund will be () yuan after five years.

a、67 1 56 1 B、564 100 C、87 1 600 D、6 10 500

10. If the after-tax capital cost of a long-term loan is 10%, then its pre-tax cost should be () (the income tax rate is 30%).

a、 10% B、30% C、 12.5% D、 14.29%

Comprehensive case analysis problem

1, case 1:

Miss Jin is 23 years old and lives with her parents. She doesn't have to pay the daily expenses. At present, I work as an administrative secretary in a company, and my monthly income after tax is 3,000 yuan (expected to increase by 10% every year), and my expenses are basically spent on eating and entertainment activities, accounting for about 80% of my monthly income. She plans to buy a small apartment by herself at the age of 30 (estimated price is 300,000). Please design a house purchase plan for Miss Jin (the consumption pattern can be adjusted appropriately).

financial analysis

After-tax monthly income of Miss Jin is 3,000 yuan, and she saves 600 yuan every month, accounting for 20% of her income, and her monthly living expenses are 2,400 yuan, accounting for 80% of her income. Judging from the above data, Miss Jin's living expenses are relatively high.

Miss Jin's expected financial goal is to buy a small apartment independently at the age of 30, with an estimated price of 300,000.

Financial advice

1. Suppose Miss Jin pays down 80,000 yuan to buy a small apartment when she is 30 years old.

Miss Jin can made a detailed list of the family's monthly expenses and analyzed them item by item. On the premise of not affecting her life, reduce waste, minimize spending on shopping, entertainment and other items, and ensure that she saves about 1000 yuan per month, accounting for about 30% of her total monthly income, and will save 12000 yuan throughout the year. Take a conservative investment strategy, assuming that the return on investment is 5%. When Miss Jin is 30 years old, there will be about 95,000 yuan, of which 80,000 yuan can be used to pay the down payment, and the rest can be used as other expenses such as decoration.

3. Assuming the repayment interest is 6%, Miss Jin borrows 220,000 yuan and the repayment period is 20 years, the monthly repayment amount is 1.577 yuan.

4. Miss Jin is 30 years old, and her monthly salary in 800 yuan can reach about 5% (it is expected to increase by 10% every year), and the monthly repayment amount accounts for about 27% of her monthly income, which is reasonable.

In order to achieve a 5% return on investment, Miss Jin can make a steady investment allocation of 65,438+0,000 yuan per month, such as 500 yuan Investment Medium-term Bond Fund and 500 yuan Investment Balance Fund. According to Miss Jin's situation, you can apply for a provident fund loan to reduce the borrowing cost. For the interest rate of provident fund loans, the long-term average 6% is reasonable.

Professional knowledge practice

One, single planning skills (***65 questions, each small 1 point, ***65 points. Please select 1 correct answers from the four alternative answers, and put the letters before the correct answers in brackets in the title. Multiple choices, missing choices and wrong choices do not score.)

1. A company plans to issue bonds with a face value of 1 000 yuan on February1day of a certain year, with coupon rate accounting for 8%. Interest is calculated and paid once a year in February 1, and will expire in June 1 five years later. For the same venture capital, the necessary rate of return is 9%.

(A)924.82(B)96 1. 10(C)942.28(D)942.82

2. Suppose that the denomination of the bond with progressive interest rate is 65,438+0,000 yuan, the interest rate of the bond held for 65,438+0 years is 6%, the annual interest rate is 65,438+0%, and the interest of the bond held for 5 years is () yuan.

450 (B) 340 (C) 380 (D)400

3. A processing enterprise in a county should pay 2.8 million yuan of value-added tax in August 2004, and the enterprise should pay urban maintenance and construction tax and education surcharge this month as ().

(1) 224,000 yuan (2) 256,000 yuan (3) 282,000 yuan (4) 352,000 yuan.

4. Discounted bonds with face value of 1000 yuan and maturity of 180 days are publicly issued at a discount rate of 9%, and their yield to maturity is ().

(A)9.65%(B) 10%(C) 12%(D) 13%

5. Suppose the bank's reserve ratio is 20%, and the remaining deposits are used to issue loans. A bank received a cash deposit of 10000 yuan from customer A. With the continuous issuance of loans, the amount of dividends generated on this basis was ().

(1) Twenty thousand yuan; (2) Three thousand yuan; (3) Forty thousand yuan; (4) Fifty thousand yuan.

6. Someone bought a bond with a maturity of 1 year at the price of 94 yuan, with a face value of 100 yuan and coupon rate's 8%, and paid interest once a year. Consider the annual capital gains and losses together with the annual interest income, and find the average yield of bonds ().

(A)7.2 1%(B)8%(C)8.8 1%(D)9.22%

7. Bank spot foreign exchange rate:

Pound = USD 1.6075/05 USD = HK$ 7.7969/ 15, then the exchange rate of pound against HK$ is ().

(a) GBP = HK$12.5643/12.5335 (b) GBP = HK$12.5643.

& gt GBP = HK$ 12.6335/ 12.5365.

8. A customer applies for a housing consumption loan from a commercial bank. The loan principal is 6,543,800 yuan, and the annual interest rate is 5.04%. Due to the strong solvency of the guest room, it is agreed that the loan will be paid off within 654.38+00 years. Then the monthly principal repayment amount, total repayment amount and total interest to be paid when using the average capital repayment are () respectively.

(1) 8333.33 yuan 125465438 yuan 254 100 yuan

(b) 104 16.67 yuan1203,700 yuan.

(c) 1 1465.43 yuan

1 1465.43 yuan 1203700 yuan 203700 yuan

9.a is 70 years old and his wife has passed away. She is childless, frail and has a hard life. He wants to make a bequest and support agreement and give three houses to people who take care of themselves financially after her death. A's nephew, niece, sister and adopted son are all vying to be nurses. Which of these people should not be a supporter of the legacy support agreement? ( )

Nephews, nieces, sisters, adopted children

10. A bond with a face value of 100 yuan, an annual interest rate of 6% and a maturity of 5 years was bought in 94 yuan, and it is expected to be sold in 98 yuan two years later, so the holding yield of the bond is ().

(A)6%(B)8.42%(C)5. 1%(D)7.6%

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