北理工珠海学院《理财策划书模版》.docVIP

目录 第一部分 理财目标·····················································3 个人财务管理························································3 应急金准备····················································3 基金定投······················································3 1.2个人创业金准备·······················································3 第二部分 个人基本情况···············································4 个人情况总结·······················································4 个人资产负债表·····················································4 第三部分 个人财务状况···············································5 个人收支情况······················································5 个人财务健康指标检查··············································5 第四部分 风险偏好测试分析··········································6 第五部分 理财投资的具体计划·······································8 5.1 投资工具的选择与依据···············································8 5.2 投资分配比例························································8 5.3 确定可行性···························································9 5.4 调整··································································9 第六部分 结语···························································9 第一部分 理财目标 个人财务管理 1.1.1应急金准备 1.1.2 基金定投 个人创业基金的准备 Ⅰ· 生活资金储存 Ⅱ· 课余兼职 Ⅲ· 基金定投 Ⅳ· 避免意外支出资金 Ⅴ· Ⅵ· Ⅶ· 第二部分 个人基本情况 2.1 个人情况总结 个人资产负债表 个人资产负债表 姓名： 徐嘉隆 日期： 2012年 05月— 2012 年06 月 单位：元 资产5000 负债300 流动性现金 1500 短期负债 300 活期存款 0 饮食支出 600 定期存款 0 医药费用 0 货币市场基金 0 日用品支持 100 短期借款 100 水电费手机卡支出 200 流动资产合计 1500 旅游娱乐等支出 300 投资 0 汽车和其他支出 100 股票 0 其他消费支出 100 债券 0 其他短期负债 100 储蓄产品 3000 短期负债合计 100 基金 0 长期负债 0 房地产 0 房地产投资贷款 0 其他 0 汽车贷款 0 投资合计 0 教育贷款 0 长期贷款合计 0 总资产合计 5000 总负债合计 300 净资产＝资产合计－负债合计 第三部分 个人财务状况 3.1 个人收支情况（以月为单位） 个人现金流量表 时间： 2012年 05月 单位：元 流出 金额 流入 金额 饮食开销 500 生活费 2000 水电费 200 勤工助学 0 网费 50 兼职实践 0 手机充值 100 生活用品 100 零食饮料 100 休闲用品 100 文化娱乐 100 应酬 100 交通费用 50 衣服鞋子 0 意外花销 150 其他 50 总计支出 160