我国个人理财业务发展分析.pdfVIP

A B S T R A C T A B S T R A C T P erson al fin an cia l serv ice 15 a eom P reh en siv e fin an e ial serv iee th at faees to 几m ilies and individuals，Wh ieh ineludes m an断eontents in both fam ilies axld in d iv id u a ls ’ev ery stag e o f life ey e le su eh a s th e an a ly sis o f a ssets an d liab ilitie s， th e ca sh flow b u d g et an d m an a g em ent ，an d th e ir eh ild ren ’5 ed u eation fun d s P la n ， P erso n al risk m an a g em ent an d in su ran e e P lan ，in v e stm ent P lan ，h o u sin g P lan ， in d iv id u a l tax P lan ，h erita g e P lan an d retirem ent P lan . A fter P erson a l fin an e i;;l P ro fessio n a ls are on the b a sis o f eo lleetin g a ll k in d s o f m ateria ls su eh a s e lie]It fh n lily staUt’s，fin an e ia l statu s，eareer g o a ls，an d un d erstan d in g th e elien t’5 fin an e ia l g o a ls an d risk attrlb u te ，th ey an a ly ze an d asse ss the c lien ts，fin an e ia l staut s， m 由 n g a tailor for th e e lien ts’right fin an e ia l P lan ，tim ely ex ecute ，m o nitor 翻 d‘ adju st.F inally，they ean m eet elients’finan eialneeds at diffe rent stages of life and ev en tUa lly h e lP e lients to rea liz e th e ir life freed o m ，aut o n om y，an d ea se in fin an ce . W i th the n atio n a l eco n o m iea l stea d y，raP id an d h ea lthy d ev eloP m ent ，the resid entls h av e im P rov ed th eir in v e stm en t w illin g n e ss an d th e m o d ern fin an eia l e o n ceP ts:， 小ey n eed to diversify finan 己ial serv ices inereasingly to m ak e p ersonal finanei:，l serv iee s h av e a rap id d ev e lo P m en t in ree en t y ears，b e eau se P erso n a l fin an e i:、1 m ark et in C h in a 15 a b ig o n e in e lu d in g b ig ch an ees an d b