本書是“銀行業從業人員資格認證考試”的配套學習資料，依托具有深厚編寫水平的專家團隊，嚴格依據官方教材及考試大綱，在精選高頻考點的基礎上編寫而成。
全書分為考點精講及歸類題庫兩部分：考點精講主要選取考頻較高、易混淆的考點進行詳細講解；歸類題庫則選取考頻較高的知識點，在此基礎上編設的與實戰難度相當的試題。
本書特別適用于參加中國銀行業從業人員資格認證考試的考生，也可供各大院校金融學專業的師生參考。
2015年銀行業專業人員職業資格考試輔導用書，銀行業從業人員資格認證考試輔導用書，中大網校強力推薦！源自清華的考試專家：800道真題演練+重點考點精講+圖表化記憶學習+名師答疑解惑
叢書編寫初衷
近年來，隨著中國銀行業的不斷改革與創新，整個銀行業發生了歷史性的變化，在國民經
濟發展中發揮著越來越重要的支撐及促進作用。而銀行業專業人員的待遇也水漲船高，要想從
事銀行業相關工作，取得職業資格是非常必要的。
銀行業專業人員職業資格考試是指銀行業金融機構從事前、中、后臺業務及管理工作的專
業技術人員取得相應級別和類別職業資格證書需要通過的考試。銀行業專業人員職業資格英文
譯為：Qualification Certificate of Banking Professional。人力資源社會保障部、中國銀行業監督管
理委員會共同負責銀行業專業人員職業資格制度的政策制定，并按職責分工對銀行業專業人員
職業資格制度的實施進行指導、監督和檢查。中國銀行業協會具體承擔銀行業專業人員職業資
格考試工作。銀行業初級資格考試為“銀行業法律法規與綜合能力”科目加上任意一門專業科
目，專業科目分為個人理財、風險管理、公司信貸及個人貸款。
為幫助廣大考生順利通過考試，筆者根據考試大綱編寫了本套叢書，以便考生在短時間內
理解知識要點、加深記憶、熟悉題型，提高考試成功率。
叢書特色
本套叢書內容全面，資料新穎，理論聯系實際，語言通俗，習題典型，可供廣大銀行業專
業人員參考，是廣大考生順利通過考試的必備書籍。
具體來說，本套叢書具有以下六大特點。
1. 緊跟大綱，迅速突破
本套叢書嚴格按照最新考試大綱編寫，充分體現了教材的最新變化與要求。在詳細講解教
材基礎知識的同時，每章配有精選例題及解析，通過簡明扼要的考點講解，引導考生全面、系
統地復習，讓考生能夠熟練掌握指定教材的全部要點和重點。
2. 源自真題，權威全面
由于銀行業專業人員職業資格考試采用了機考的形式，從官方題庫中自動選題，因此即使
是同一時間考試，各個考生所答的試卷也是不同的。筆者總結了多年真題，書中題目都源于官
方題庫，并給出了詳細的解析，以幫助考生順利通過考試。
3. 同步演練，有的放矢
本套叢書每章最后有一套習題，并附有答案和解析，供考生檢驗、鞏固學習成果，使考生
能盡快適應考場，在真正的考試中有的放矢，順利通關。
4. 海量習題，貼近實戰
眾所周知，勤動腦、多練習，方能百戰百勝。本套叢書在習題的選取上，以歷年真題為
主，讓考生通過習題演練了解考情和考試重點；在學習教材基礎知識、分析真題的基礎上，通
過模擬自測檢測復習效果，了解自己的不足。
5. 簡單易懂，便于自學
考慮到大部分考生是在職人士，主要利用業余時間進行自學，因此本套叢書力求語言通
俗，并對每道習題都進行了詳盡、嚴謹的解析，便于考生自學。如果考生在學習過程中遇到問
題，可以加入本書的專用客服QQ群：344291269，將會有專業老師為您答疑解惑。
6. 圖表演示，加強記憶
針對教材中知識點眾多、難于記憶的問題，本叢書在編寫的過程中，盡量把考點用分類圖
或者表格來表示，讓讀者一目了然，快速記憶。
總的來說，我們希望通過縱覽重點、同步自測、深度解析，使考生能夠對考點了然于胸，
對考試游刃有余，對成績胸有成竹。最后，預祝廣大考生順利通過銀行業專業人員職業資格考
試，在新的人生道路上續寫輝煌。
第1章 銀行個人理財業務概述
第1節 銀行個人理財業務的概念和分類 ···················································································· 1
考點1 個人理財概述 ································································································································ 1
考點2 銀行個人理財業務的概念 ············································································································ 2
考點3 銀行個人理財業務的分類 ············································································································ 3
第2節 銀行個人理財業務的發展和現狀 ···················································································· 5
考點4 個人理財業務的發展和現狀 ········································································································ 5
第3節 個人理財業務的影響因素 ······························································································· 6
考點5 影響個人理財業務的宏觀因素 ···································································································· 6
考點6 影響個人理財業務的微觀因素 ···································································································· 9
考點7 影響個人理財業務的其他因素 ···································································································· 9
第4節 銀行個人理財業務的定位 ····························································································· 10
考點8 個人理財業務的定位 ·················································································································· 10
第5節 同步強化訓練 ··············································································································· 10
2 20
第2章 銀行個人理財理論與實務基礎
第1節 銀行個人理財業務理論基礎 ·························································································· 20
考點1 生命周期理論 ······························································································································ 20
考點2 貨幣的時間價值 ·························································································································· 22
考點3 投資理論 ······································································································································ 23
考點4 資產配置原理 ······························································································································ 26
考點5 投資策略與投資組合的選擇 ······································································································ 27
第2節 銀行理財業務實務基礎 ································································································· 28
考點6 理財業務的客戶準入 ·················································································································· 28
考點7 客戶理財價值觀與行為金融學 ·································································································· 29
考點8 客戶風險屬性 ······························································································································ 30
第3節 同步強化訓練 ··············································································································· 31
目錄
VI 個人理財講義·真題·預測全攻略
第3章 金融市場和其他投資市場
第1節 金融市場概述 ··············································································································· 49
考點1 金融市場概念 ······························································································································ 49
考點2 金融市場特點 ······························································································································ 49
考點3 金融市場構成要素 ······················································································································ 49
第2節 金融市場的功能和分類 ································································································· 49
考點4 金融市場功能 ······························································································································ 49
考點5 金融市場分類 ······························································································································ 50
第3節 金融市場的發展 ············································································································ 51
考點6 國際金融市場的發展 ·················································································································· 51
考點7 中國金融市場的發展 ·················································································································· 51
第4節 貨幣市場 ······················································································································ 51
考點8 貨幣市場概述 ······························································································································ 51
考點9 貨幣市場的組成 ·························································································································· 52
考點10 貨幣市場在個人理財中的運用 ································································································ 53
第5節 資本市場 ······················································································································ 53
考點11 股票市場 ···································································································································· 53
考點12 債券市場 ···································································································································· 54
第6節 金融衍生品市場 ············································································································ 55
考點13 市場概述 ···································································································································· 55
考點14 金融衍生品 ································································································································ 56
考點15 金融衍生品市場在個人理財中的運用 ···················································································· 58
第7節 外匯市場 ······················································································································ 58
考點16 外匯市場概述 ···························································································································· 58
考點17 外匯市場的分類 ························································································································ 59
考點18 外匯市場在個人理財中的運用 ································································································ 60
第8節 保險市場 ······················································································································ 60
考點19 保險市場概述 ···························································································································· 60
考點20 保險市場的主要產品 ················································································································ 60
考點21 保險市場在個人理財中的運用 ································································································ 61
第9節 貴金屬及其他投資市場 ································································································· 61
考點22 貴金屬市場及產品 ···················································································································· 61
考點23 房地產市場 ································································································································ 62
考點24 收藏品市場 ································································································································ 63
第10節 同步強化訓練 ············································································································· 64
目 錄 VII
第4章 銀行理財產品
第1節 銀行理財產品市場發展 ································································································· 82
考點1 銀行理財產品市場發展 ·············································································································· 82
第2節 銀行理財產品要素 ········································································································ 82
考點2 產品開發主體信息 ······················································································································ 82
考點3 產品目標客戶信息 ······················································································································ 83
考點4 產品特征信息 ······························································································································ 83
第3節 銀行理財產品介紹 ········································································································ 84
考點5 貨幣型理財產品 ·························································································································· 84
考點6 債券型理財產品 ·························································································································· 84
考點7 股票類理財產品 ·························································································································· 85
考點8 信貸資產類理財產品 ·················································································································· 85
考點9 組合投資類理財產品 ·················································································································· 85
考點10 結構性理財產品 ························································································································ 85
考點11 QDII基金掛鉤類理財產品········································································································ 87
考點12 另類理財產品 ···························································································································· 88
第4節 銀行理財產品發展趨勢 ································································································· 88
考點13 銀行理財產品發展趨勢 ············································································································ 88
第5節 同步強化訓練 ··············································································································· 88
第5章 銀行代理理財產品
第1節 銀行代理理財產品的概念 ····························································································· 95
考點1 銀行代理服務類業務的概念 ······································································································ 95
第2節 銀行代理理財產品銷售基本原則 ·················································································· 96
考點2 銷售原則 ······································································································································ 96
第3節 基金 ······························································································································ 96
考點3 基金的概念和特點 ······················································································································ 96
考點4 基金的分類 ·································································································································· 97
考點5 特殊類型基金 ······························································································································ 98
考點6 銀行代銷流程 ······························································································································ 98
考點7 基金的流動性及收益情況 ········································································································100
考點8 基金的風險 ································································································································100
第4節 保險 ···························································································································· 101
考點9 銀行代理保險概述 ····················································································································101
考點10 銀行代理保險產品 ··················································································································101
考點11 保險產品的風險 ······················································································································102
VIII 個人理財講義·真題·預測全攻略
第5節 國債 ···························································································································· 102
考點12 銀行代理國債的概念、種類 ··································································································102
考點13 國債的流動性及收益情況 ······································································································103
考點14 國債的風險 ······························································································································103
第6節 信托 ···························································································································· 103
考點15 銀行代理信托類產品的概念 ··································································································103
考點16 信托類產品的流動性及收益情況 ··························································································104
考點17 信托產品風險 ··························································································································104
第7節 黃金 ···························································································································· 105
考點18 銀行代理黃金業務種類 ··········································································································105
考點19 業務流程 ··································································································································105
考點20 黃金的流動性、收益情況及風險點 ······················································································105
第8節 同步強化訓練 ············································································································· 106
第6章 理財顧問服務
第1節 理財顧問服務概述 ······································································································ 117
考點1 理財顧問服務概念 ····················································································································117
考點2 理財顧問服務流程 ····················································································································117
考點3 理財顧問服務特點 ····················································································································118
第2節 客戶分析 ···················································································································· 118
考點4 收集客戶信息 ····························································································································118
考點5 客戶財務分析 ····························································································································119
考點6 客戶風險特征和其他理財特性分析 ························································································120
考點7 客戶理財需求和目標分析 ········································································································121
第3節 財務規劃 ···················································································································· 121
考點8 現金、消費和債務管理 ············································································································121
考點9 保險規劃 ····································································································································123
考點10 稅收規劃 ··································································································································124
考點11 人生事件規劃 ··························································································································125
考點12 投資規劃 ··································································································································126
第4節 同步強化訓練 ············································································································· 127
第7章 個人理財業務相關法律法規
第1節 個人理財業務活動涉及的相關法律 ············································································· 140
考點1 《中華人民共和國民法通則》 ································································································140
考點2 《中華人民共和國合同法》 ····································································································142
目 錄 IX
考點3 《中華人民共和國商業銀行法》 ····························································································143
考點4 《中華人民共和國銀行業監督管理法》 ················································································147
考點5 《中華人民共和國證券法》 ····································································································149
考點6 《中華人民共和國證券投資基金法》 ····················································································153
考點7 《中華人民共和國保險法》 ····································································································155
考點8 《中華人民共和國信托法》 ····································································································156
考點9 《中華人民共和國個人所得稅法》 ························································································157
考點10 《中華人民共和國物權法》 ··································································································158
第2節 個人理財業務活動涉及的相關行政法規 ······································································ 160
考點11 《中華人民共和國外資銀行管理條例》 ··············································································160
考點12 《期貨交易管理條例》 ··········································································································161
第3節 個人理財業務活動涉及的相關部門規章及解釋 ··························································· 162
考點13 《商業銀行開辦代客境外理財業務管理暫行辦法》 ··························································162
考點14 《證券投資基金銷售管理辦法》 ··························································································163
考點15 《保險兼業代理管理暫行辦法》和《關于規范銀行代理保險業務的通知》 ··················165
考點16 《個人外匯管理辦法》和《個人外匯管理辦法實施細則》 ··············································166
第4節 同步強化訓練 ············································································································· 167
第8章 個人理財業務管理
第1節 個人理財業務合規性管理 ··························································································· 194
考點1 開展個人理財業務的基本條件 ································································································194
考點2 開展個人理財業務的政策限制 ································································································196
考點3 開展個人理財業務的法律責任 ································································································198
第2節 個人理財資金使用管理 ······························································································· 199
考點4 《商業銀行個人理財業務管理暫行辦法》有關商業銀行個人理財資金使用的規定 ········199
考點5 《關于進一步規范商業銀行個人理財業務投資管理有關問題的通知》有關商業銀行
個人理財業務資金的使用規定 ································································································200
考點6 《關于進一步規范銀信合作有關事項的通知》有關商業銀行個人理財業務資金的使用
規定 ············································································································································201
第3節 個人理財業務流程管理 ······························································································· 201
考點7 業務人員管理 ····························································································································201
考點8 客戶需求調查 ····························································································································202
考點9 理財產品開發 ····························································································································202
考點10 理財產品銷售 ··························································································································203
考點11 理財業務其他管理 ··················································································································205
第4節 同步強化訓練 ············································································································· 205
X 個人理財講義·真題·預測全攻略
第9章 個人理財業務風險管理
第1節 個人理財的風險 ·········································································································· 213
考點1 個人理財風險的影響因素 ········································································································213
考點2 理財產品風險評估 ····················································································································213
第2節 個人理財業務面臨的主要風險 ···················································································· 214
考點3 風險分類 ····································································································································214
考點4 個人理財業務風險管理的基本要求 ························································································214
考點5 個人理財顧問服務的風險管理 ································································································215
考點6 綜合理財業務的風險管理 ········································································································217
考點7 產品風險管理 ····························································································································218
考點8 操作風險管理 ····························································································································218
考點9 銷售風險管理 ····························································································································219
考點10 聲譽風險管理 ··························································································································219
第3節 同步強化訓練 ············································································································· 219
第10章 職業道德和投資者教育
第1節 個人理財業務從業資格簡介 ························································································ 226
考點1 境外理財業務從業資格簡介 ····································································································226
考點2 境內銀行個人理財業務從業資格 ····························································································226
考點3 銀行個人理財業務從業人員基本條件 ····················································································226
第2節 銀行個人理財業務從業人員的職業道德 ······································································ 227
考點4 從業人員銷售活動遵循原則 ····································································································227
考點5 從業人員銷售活動注意事項 ····································································································227
考點6 從業人員銷售活動禁止事項 ····································································································228
考點7 從業人員崗位要求 ····················································································································229
考點8 從業人員的限制性條款 ············································································································229
考點9 從業人員的法律責任 ················································································································230
第3節 個人理財投資者教育 ·································································································· 231
考點10 投資者教育概述 ······················································································································231
考點11 投資者教育功能 ······················································································································231
考點12 投資者教育內容 ······················································································································231
第4節 同步強化訓練 ············································································································· 232
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