Content recommendation:
In order to cooperate with the qualification examination of banking practitioners in China, China Banking Practitioners Qualification Office organized an expert group to compile the examination textbook Personal Finance according to the Examination Outline of Personal Finance for China Banking Practitioners Qualification Examination. Reading this textbook can help practitioners and candidates master the scope and depth of the examination syllabus.
The course of personal finance is designed for the employees engaged in personal finance business in commercial banks. The content is closely related to the examination syllabus and covers the basic knowledge and skills that personal finance employees should master. In the process of compiling this textbook, I collected and consulted a large number of mature and qualitative research results, and also consulted the published materials of various financial institutions. In writing, the knowledge points should be as clear as possible, in line with the reality of the development of personal finance business in commercial banks, so as to facilitate candidates to review exams, or to study as professional posts related to personal finance and people who are interested in doing this work.
This textbook was originally written in 2007. According to the change of the situation, China Banking Practitioners Qualification Certification Office revised the teaching materials in 2008, 2009 and 20 10 respectively. 20 13 according to the changes of economic and financial situation and the latest development of banking business, the textbook was revised.
The 20 13 edition of the textbook includes ten parts, such as an overview of bank personal finance business, the theoretical and practical basis of bank personal finance, financial markets and other investment markets, bank wealth management products, bank agent wealth management products, financial advisory services, laws and regulations related to personal wealth management business, personal wealth management business risk management, professional ethics and investor education.
Directory:
Chapter 1 Overview of personal financial services of banks
1. 1 Concept and classification of personal financial services of banks
1. 1. 1 personal finance overview
1. 1.2 Concept of personal finance business of banks
1. 1.3 Classification of personal financial services of banks
1.2 development and present situation of personal financial services in banks
1.2. 1 foreign development and present situation
1.2.2 Development Status of Personal Financial Services of Domestic Banks
1.3 Influencing factors of personal financial services of banks
1.3. 1 macro influencing factors
1.3.2 Micro-influencing factors
1.3.3 Other influencing factors
1.4 Positioning of personal financial services of banks
Chapter two: the theoretical and practical basis of personal financial management in banks.
2. 1 theoretical basis of personal finance business of banks
2. 1. 1 life cycle theory
2. 1.2 Time value of money
2. 1.3 investment theory
2. 1.4 asset allocation principle
2. 1.5 investment strategy and portfolio selection
2.2 Practical basis of bank wealth management business
"2.2. 1 Customer Access to Financial Services"
2.2.2 Customer Financial Values and Behavioral Finance
2.2.3 Customer Risk Attributes
Customer risk assessment
Chapter III Financial Markets and Other Investment Markets
3. 1 Overview of financial markets
3.2 Functions and Classification of Financial Markets
3.2. 1 financial market function
3.2.2 Financial market classification
3.3 Development of financial markets
Development of international financial market
3.3.2 Development of China's financial market
3.4 Money market
3.4. 1 Overview of money market
3.4.2 Composition of the money market
3.4.3 Application of Money Market in Personal Finance
3.5 Capital market
3.5. 1 stock market
bond market
3.6 Financial derivatives market
3.6. 1 Market Overview
financial derivatives
3.6.3 Application of Financial Derivatives Market in Personal Finance
3.7 Foreign exchange market
3.7. 1 Overview of foreign exchange market
3.7.2 Classification of foreign exchange market
3.7.3 Application of Foreign Exchange Market in Personal Finance
3.8 Insurance market
3.8. 1 Overview of insurance market
3.8.2 Main products in the insurance market
3.8.3 Application of Insurance Market in Personal Finance
3.9 Precious Metals and Other Investment Markets
3.9. 1 precious metals market and products
real estate market
Collectibles market
Chapter IV Banking Financial Products
4. 1 Market development of bank wealth management products
4.2 elements of bank wealth management products
4.2. 1 Subject information of product development
4.2.2 Product target customer information
4.2.3 Product feature information
4.3 Introduction of bank wealth management products
4.3. 1 Monetary wealth management products
4.3.2 Bond wealth management products
4.3.3 Stock financial products
4.3.4 Portfolio investment wealth management products
4.3.5 Structured wealth management products
4.3.6 QDII fund linked wealth management products
4.3.7 Alternative financial products
4.4 Development trend of bank wealth management products
……
Chapter V Banking Agency Financial Products
Chapter VI Financial Advisory Services
Chapter VII Laws and Regulations Related to Personal Finance Business
Chapter VIII Management of Personal Finance Business
Chapter IX Risk Management of Personal Finance Business
Chapter 10 Professional Ethics and Investor Education
Annex I Supervision Provisions on Personal Finance Business of Commercial Banks
Annex II Examination Outline of Personal Finance Subject of China Banking Practitioners Qualification Examination
postscript