个人理财参考答案docx.docx
- 文档编号:27905719
- 上传时间:2023-07-06
- 格式:DOCX
- 页数:11
- 大小:19.15KB
个人理财参考答案docx.docx
《个人理财参考答案docx.docx》由会员分享,可在线阅读,更多相关《个人理财参考答案docx.docx(11页珍藏版)》请在冰豆网上搜索。
个人理财参考答案docx
个人理财参考答案
Documentsfromthenetwork,Icollected,finishing,andifthereareomissions,errors,butalsopleasecorrectme!
Personalfinanceoperations
First,individualchoicequestions(altogether20questions,altogether40points
)
1.,Mr.Wang'sassetattheendofamonthis500thousandyuan,thedebtis100thousandyuan,anditsnetassetsis(400thousandyuan)
2.factorsaffectingfinancialplanningareeconomicfactors,socialchangefactorsand(personalfactors)
3.thefollowing(assetliability=netassets)formulaconsidersthesizeoftheindividuaTsownresourcesandemphasizesownershipofthoseresources
4.thefollowing(stock)isnotacashequivalent
5.Liu'saccountisnow1000yuan,assuminganannualinterestrateof4%,accordingtoasimplecalculation,bytheendofsecondonaccountofmoneyshouldbe(1080yuan)
6.,risk,profitabilityandcasharelowerinvestmenttools(insuranee)
7.,Liu'sdepositaccounihas1000yuan,assumingthecurrentannualinterestrateis4%
Bycompoundinterest,theamountofmoneyontheaccountattheendofsecondshouldbe($1081.6)
8.,thebalancesheetevaluationindexismainly(assetliabilityratio)
9.theprimarypurposeofcashmanagementistoensurethecashrequirementsofdailyproductionoperations
10.thefollowingdescriptionofthenetcashflowerroris(ifthenetcashflowislessthan0,indicatingthatthereisacertainaccumulationofpersonaldaily)
Thefirststepin11.personalfinanceistoidentifyyourcurrentfinancialposition
12.themainindicatorsofthecashflowstatementaretheincomeandexpenditureratio
13.,theliquidityandprofitabilityoffinancialassetsare(intheoppositedirection)change
14.personalfinanceoriginatedintheUnitedStates
15.astatementthatreflectsthefinancialpositionofanindividualorfamilyatagivenpointoftime(balancesheet)
16.,theearliestBankofpersonalfinancialservicesinChina
was(CITICBank)
17.ofthefollowingarenotpersonalfinancialplanningcontentis(HealthPlanning)
The18.personalbalancesheetisafinancialstatementthatreflectsaperson'sfinancialpositionatagivenpointintime
19.thefollowingstatementabouttheconceptofcashplanningiswrong(shorttermdemandcanbemetbyvarioustypesofsavingsorshort-terminvestmentandfinancingvehicles)
20.(prudent)financialmodelsuitableforhigherfinancialgoals,thefamilyburdenisnotlarge,willingtotakegreaterrisks,andhopetoimprovethewealthstatusofthefamilyassoonaspossible
Two,multiple-choicequestions(atotalof10questions,atotalof30points
)
1.cashplanningstemsfromthedemandforliquiditybyindividualsorhouseholds,andliquidityneedscomefromthreemotivations,namely,(BCD)
The2.mainmethodstoincreasethenetassetsistocutcosts,including(ABCD)
3.,theroleofpersonalfinanceincludes(ABE)4.,inaccordaneewiththeleveloffinancialneeds,personalfinancialmanagementcanbefurthersubdividedinto(AD)
5.,theinterestrateisadjustedaccordingtowhethertheloanperiodisadjusted(CD)
Six
Thebasicprinciplesofpersonalfinaneeare(ABCDE)
7.howmuchcashisreserved,mainlybasedon(ABCDE)factors
8.,theroleofpersonalfinancialrecords(ABCDE)
9.,riskandprofitabilityarerelativelyhighinvestmenttools(CDE)
10.thefollowingdescribestherelationshipbetweenthepersonalbalancesheetandthepersonalcashflowstatement,whichiscorrect(ACDE)
Three,thejudgmentquestion(altogether10questions,altogether30points
)
1.,themodernsenseofpersonalfinanceissimplysavings,consumptionorinvestment
2.,ifthepresentvalueandinterestratearecertain,thelesstheinterestperiodis,thegreaterthefinalvalueofcompoundinterest
A
3.assetliability二netassets
B
4.,personalfinancialrisktakingabilityisweak,intheriskandincometrade-offs,securityisgenerallyconsideredintermsofprofitability
B
5.,theenterpriseholdsacertainamountofcash,mainlyfortradingmotivation,preventionmotivationandinvestmentengine
B
6.personalfinanceoriginatedintheUnitedStatesinthe1930s
B
7.allcurrencieshavetimevalue
B
8.thereisnorelationbetweenthebalaneesheetandthecash
flowstatement
A
9.householdswithlowriskappetitecanreservelesscash
A
10.,theassetliabilityratioof>1,indicatingthatassetslessthanliabilities,netassetsatthistimenegative,insolvent,thereisafinancialcrisis
B
Personalfinanceassignmenttwo
First,individualchoicequestions(altogether20questions,altogether40points
)
1.ordinarysharesissuedbymainlandregisteredcompaniesinHongkong,China,andlistedonthestockexchangeofHongkongarecalled(C)
2.theparvalueofabondincludestwopoints,oneisthecurrency,andtheotherisD(two)
3.,wecangenerallyuse(C)thisindextomeasuretheircreditcapacity
4.,thehighestamountofcarloans,generallynotmorethan80%ofthepurchasepriceofthecar,theloanperiodisgenerally1-3years,thelongestisnotmorethan(B)years
5.,accordingtothetypicalsurvey,1yuanconsumptioncreditcandrive(B)commodityconsumption,andplayapositiveroleinpromotingconsumptionandstimulatingeconomicgrowth
6.buyingandsellingtwodifferentfuturescontractsatthesametimemeansB
7.(D)istheratioofthemarketpricetothenetassetvaluepershare,thenetassetpricepershare
8.,theinvestmentwillbeconcentratedontwotools,short-termandlong-term,andtheproportionoffundsallocatedbetweenthemshouldbeadjustedcontinuouslywiththechangeofmarketinterestrate・Theinvestmentstrategybelongsto(D)
9.,stockscanbetradedfreely,whichmeansA
10.below(C)isnotafactoraffectingbondyields
11.(C)isthepurchaseofconsumergoodstotheconsumerloans,suchaspersonaltravelloans,personalconsumptionloans,personalshort-termcreditloans
12.whenthefundsponsorsetsupthefund,thetotalamountofthefund,sunitislimited・Afterraisingthetotalamount,thefundisproclaimedandclosedandnonewinvestmentisacceptedforacertainperiodoftime
Thefundiscalled(B)
Thirteen
Thestartingpointoftheindividualnotificationsavingsis(C)yuan
14.whichofthefollowingisnotapersonalsavingsmotive(A)?
15.(D)isthecontentoffinancialinvestment
16.,accordingtothewayofloans,consumercreditcanbedividedinto(C)andopencredit
17.,thestockisdividedintostate-ownedshares,corporatesharesandindividualsharesinaccordancewith(B)tobedivided
18.futurescanbebroadlydividedintotwobroadcategories,namely,commodityfuturesand(D)
19.ofthefollowingcreditcardcharacteristicsare(D)
20.,China,sjointstockcompaniesissuedoverseascirculationofcommonstock,knownas(D)
Two,multiple-choicequestions(atotalof10questions,atotalof30points
1.theformoffuturesinvestmentis(ABD)
2.characteristicsofconsumercredit(ABCDE)
The3.aspectoftheportfolioisthree(ABC)
4.featuresofsavingsinclude(ABCD)
5.,coimnonlyusedrepaymentmethodsare(ABC)
6.,thebondscanbedividedinto(CDE)accordingtothesubjectoftheissue
Themotivationfor7.personalsavingsincludes(BCD)
8.themagnitudeofinterestincomeisdeterminedprimarilyby(ABCD)
9.theparvalueofthebondincludes(ABCE)
10.inconsumercredit,theseller,screditisbelow(BCE)
Three,thejudgmentquestion(altogether10questions,altogether30points
)
1.narrowsenseofsavingsreferstothedepositsofindividualresidentsinbanksorotherfinancialinstitutions
2.stockcanbedividedintocommonandpreferredstockaccordingtotheholder
A
3.themostwidespreadandmostfamiliarformofconsumercreditisinstallmentpayment
B
4.bankdepositinterestshouldbeaccordingtotheprovisionsofthecentralbank,sinterestratetopay
A
5.,whendesigningaportfolio,thefollowingprinciplesmustbefollowed:
tomaximizetheportfolioreturnsundercertainrisks,andtominimizetheportfolioriskundercertainconditionsofreturn
B
6.,theinvestmentisdividedintotwocategories:
physicalinvestmentandfinancialinvestmentaccordingtodifferentobjects
B
7.,theconceptofsavingsinbroadsensereferstothepartofacountryorregionthathasnotbeenconsumedinthenationalincomeforagivenperiodoftime
B
8.debtpaymentproportionofincome二monthlyincome,monthlynetdebtexpenditure
A
9.,commercialstudentloans,loansforaminimumperiodof6months,thelongestperiodisnotmorethan6years
A
10.,theso-calledmatchingprincipleisthatthetermoftheloanmatchesthelifecycleofthegoodsconsumedbytheloan
B
Personalfinanceassignmentthree
First,individualchoicequestions(altogether20questions,altogether40points
)
1.realestatebecauseofitsowncharacteristics,thatis,location(B)andnonmobility,ineconomicsisalsoknownasrealestate
Theamountofwagesandsalariesstipulatedintherevisedregulationsfortheimplementationofthepersonalincometaxregulationsfor2.2011yearsis(D)yuan
Lessthan3.oftheadvantagesofrealestateinvestmentis(D)
4.thepersonalincometaxpayableinthefollowingpersonalincomeis(A)
Five
Thepricepaidforthepurchaseofinsuranceproductsandservicesshallbepaidbythepolicyholderandcollectedbytheinsurer
Thisexplanationisdirectedat(C)
6.,inmakingresidentialdecisions,thedrawbackofchoosingahouseis(B)
Lessthan7.(C)isnotcoveredbymedicalinsurance
8.,Mr.Wangboughtthewelfarelotterywon10thousandyuan,thenheshouldpaypersonalincometaxfor(A)
9.depreciationduetodepreciation,replacement,etc・ofmachineryequipment(A)
10.inthefollowing,withholdingtaxisnotapplicable・(D)
11.oft
- 配套讲稿:
如PPT文件的首页显示word图标,表示该PPT已包含配套word讲稿。双击word图标可打开word文档。
- 特殊限制:
部分文档作品中含有的国旗、国徽等图片,仅作为作品整体效果示例展示,禁止商用。设计者仅对作品中独创性部分享有著作权。
- 关 键 词:
- 个人 理财 参考答案 docx