本书是“银行业从业人员资格认证考试”的配套学习资料，依托具有深厚编写水平的专家团队，严格依据官方教材及考试大纲，在精选高频考点的基础上编写而成。
全书分为考点精讲及归类题库两部分：考点精讲主要选取考频较高、易混淆的考点进行详细讲解；归类题库则选取考频较高的知识点，在此基础上编设的与实战难度相当的试题。
本书特别适用于参加中国银行业从业人员资格认证考试的考生，也可供各大院校金融学专业的师生参考。
2015年银行业专业人员职业资格考试辅导用书，银行业从业人员资格认证考试辅导用书，中大网校强力推荐！源自清华的考试专家：800道真题演练+重点考点精讲+图表化记忆学习+名师答疑解惑
丛书编写初衷
近年来，随着中国银行业的不断改革与创新，整个银行业发生了历史性的变化，在国民经
济发展中发挥着越来越重要的支撑及促进作用。而银行业专业人员的待遇也水涨船高，要想从
事银行业相关工作，取得职业资格是非常必要的。
银行业专业人员职业资格考试是指银行业金融机构从事前、中、后台业务及管理工作的专
业技术人员取得相应级别和类别职业资格证书需要通过的考试。银行业专业人员职业资格英文
译为：Qualification Certificate of Banking Professional。人力资源社会保障部、中国银行业监督管
理委员会共同负责银行业专业人员职业资格制度的政策制定，并按职责分工对银行业专业人员
职业资格制度的实施进行指导、监督和检查。中国银行业协会具体承担银行业专业人员职业资
格考试工作。银行业初级资格考试为“银行业法律法规与综合能力”科目加上任意一门专业科
目，专业科目分为个人理财、风险管理、公司信贷及个人贷款。
为帮助广大考生顺利通过考试，笔者根据考试大纲编写了本套丛书，以便考生在短时间内
理解知识要点、加深记忆、熟悉题型，提高考试成功率。
丛书特色
本套丛书内容全面，资料新颖，理论联系实际，语言通俗，习题典型，可供广大银行业专
业人员参考，是广大考生顺利通过考试的必备书籍。
具体来说，本套丛书具有以下六大特点。
1. 紧跟大纲，迅速突破
本套丛书严格按照最新考试大纲编写，充分体现了教材的最新变化与要求。在详细讲解教
材基础知识的同时，每章配有精选例题及解析，通过简明扼要的考点讲解，引导考生全面、系
统地复习，让考生能够熟练掌握指定教材的全部要点和重点。
2. 源自真题，权威全面
由于银行业专业人员职业资格考试采用了机考的形式，从官方题库中自动选题，因此即使
是同一时间考试，各个考生所答的试卷也是不同的。笔者总结了多年真题，书中题目都源于官
方题库，并给出了详细的解析，以帮助考生顺利通过考试。
3. 同步演练，有的放矢
本套丛书每章最后有一套习题，并附有答案和解析，供考生检验、巩固学习成果，使考生
能尽快适应考场，在真正的考试中有的放矢，顺利通关。
4. 海量习题，贴近实战
众所周知，勤动脑、多练习，方能百战百胜。本套丛书在习题的选取上，以历年真题为
主，让考生通过习题演练了解考情和考试重点；在学习教材基础知识、分析真题的基础上，通
过模拟自测检测复习效果，了解自己的不足。
5. 简单易懂，便于自学
考虑到大部分考生是在职人士，主要利用业余时间进行自学，因此本套丛书力求语言通
俗，并对每道习题都进行了详尽、严谨的解析，便于考生自学。如果考生在学习过程中遇到问
题，可以加入本书的专用客服QQ群：344291269，将会有专业老师为您答疑解惑。
6. 图表演示，加强记忆
针对教材中知识点众多、难于记忆的问题，本丛书在编写的过程中，尽量把考点用分类图
或者表格来表示，让读者一目了然，快速记忆。
总的来说，我们希望通过纵览重点、同步自测、深度解析，使考生能够对考点了然于胸，
对考试游刃有余，对成绩胸有成竹。最后，预祝广大考生顺利通过银行业专业人员职业资格考
试，在新的人生道路上续写辉煌。
第1章 银行个人理财业务概述
第1节 银行个人理财业务的概念和分类 ···················································································· 1
考点1 个人理财概述 ································································································································ 1
考点2 银行个人理财业务的概念 ············································································································ 2
考点3 银行个人理财业务的分类 ············································································································ 3
第2节 银行个人理财业务的发展和现状 ···················································································· 5
考点4 个人理财业务的发展和现状 ········································································································ 5
第3节 个人理财业务的影响因素 ······························································································· 6
考点5 影响个人理财业务的宏观因素 ···································································································· 6
考点6 影响个人理财业务的微观因素 ···································································································· 9
考点7 影响个人理财业务的其他因素 ···································································································· 9
第4节 银行个人理财业务的定位 ····························································································· 10
考点8 个人理财业务的定位 ·················································································································· 10
第5节 同步强化训练 ··············································································································· 10
2 20
第2章 银行个人理财理论与实务基础
第1节 银行个人理财业务理论基础 ·························································································· 20
考点1 生命周期理论 ······························································································································ 20
考点2 货币的时间价值 ·························································································································· 22
考点3 投资理论 ······································································································································ 23
考点4 资产配置原理 ······························································································································ 26
考点5 投资策略与投资组合的选择 ······································································································ 27
第2节 银行理财业务实务基础 ································································································· 28
考点6 理财业务的客户准入 ·················································································································· 28
考点7 客户理财价值观与行为金融学 ·································································································· 29
考点8 客户风险属性 ······························································································································ 30
第3节 同步强化训练 ··············································································································· 31
目录
VI 个人理财讲义·真题·预测全攻略
第3章 金融市场和其他投资市场
第1节 金融市场概述 ··············································································································· 49
考点1 金融市场概念 ······························································································································ 49
考点2 金融市场特点 ······························································································································ 49
考点3 金融市场构成要素 ······················································································································ 49
第2节 金融市场的功能和分类 ································································································· 49
考点4 金融市场功能 ······························································································································ 49
考点5 金融市场分类 ······························································································································ 50
第3节 金融市场的发展 ············································································································ 51
考点6 国际金融市场的发展 ·················································································································· 51
考点7 中国金融市场的发展 ·················································································································· 51
第4节 货币市场 ······················································································································ 51
考点8 货币市场概述 ······························································································································ 51
考点9 货币市场的组成 ·························································································································· 52
考点10 货币市场在个人理财中的运用 ································································································ 53
第5节 资本市场 ······················································································································ 53
考点11 股票市场 ···································································································································· 53
考点12 债券市场 ···································································································································· 54
第6节 金融衍生品市场 ············································································································ 55
考点13 市场概述 ···································································································································· 55
考点14 金融衍生品 ································································································································ 56
考点15 金融衍生品市场在个人理财中的运用 ···················································································· 58
第7节 外汇市场 ······················································································································ 58
考点16 外汇市场概述 ···························································································································· 58
考点17 外汇市场的分类 ························································································································ 59
考点18 外汇市场在个人理财中的运用 ································································································ 60
第8节 保险市场 ······················································································································ 60
考点19 保险市场概述 ···························································································································· 60
考点20 保险市场的主要产品 ················································································································ 60
考点21 保险市场在个人理财中的运用 ································································································ 61
第9节 贵金属及其他投资市场 ································································································· 61
考点22 贵金属市场及产品 ···················································································································· 61
考点23 房地产市场 ································································································································ 62
考点24 收藏品市场 ································································································································ 63
第10节 同步强化训练 ············································································································· 64
目 录 VII
第4章 银行理财产品
第1节 银行理财产品市场发展 ································································································· 82
考点1 银行理财产品市场发展 ·············································································································· 82
第2节 银行理财产品要素 ········································································································ 82
考点2 产品开发主体信息 ······················································································································ 82
考点3 产品目标客户信息 ······················································································································ 83
考点4 产品特征信息 ······························································································································ 83
第3节 银行理财产品介绍 ········································································································ 84
考点5 货币型理财产品 ·························································································································· 84
考点6 债券型理财产品 ·························································································································· 84
考点7 股票类理财产品 ·························································································································· 85
考点8 信贷资产类理财产品 ·················································································································· 85
考点9 组合投资类理财产品 ·················································································································· 85
考点10 结构性理财产品 ························································································································ 85
考点11 QDII基金挂钩类理财产品········································································································ 87
考点12 另类理财产品 ···························································································································· 88
第4节 银行理财产品发展趋势 ································································································· 88
考点13 银行理财产品发展趋势 ············································································································ 88
第5节 同步强化训练 ··············································································································· 88
第5章 银行代理理财产品
第1节 银行代理理财产品的概念 ····························································································· 95
考点1 银行代理服务类业务的概念 ······································································································ 95
第2节 银行代理理财产品销售基本原则 ·················································································· 96
考点2 销售原则 ······································································································································ 96
第3节 基金 ······························································································································ 96
考点3 基金的概念和特点 ······················································································································ 96
考点4 基金的分类 ·································································································································· 97
考点5 特殊类型基金 ······························································································································ 98
考点6 银行代销流程 ······························································································································ 98
考点7 基金的流动性及收益情况 ········································································································100
考点8 基金的风险 ································································································································100
第4节 保险 ···························································································································· 101
考点9 银行代理保险概述 ····················································································································101
考点10 银行代理保险产品 ··················································································································101
考点11 保险产品的风险 ······················································································································102
VIII 个人理财讲义·真题·预测全攻略
第5节 国债 ···························································································································· 102
考点12 银行代理国债的概念、种类 ··································································································102
考点13 国债的流动性及收益情况 ······································································································103
考点14 国债的风险 ······························································································································103
第6节 信托 ···························································································································· 103
考点15 银行代理信托类产品的概念 ··································································································103
考点16 信托类产品的流动性及收益情况 ··························································································104
考点17 信托产品风险 ··························································································································104
第7节 黄金 ···························································································································· 105
考点18 银行代理黄金业务种类 ··········································································································105
考点19 业务流程 ··································································································································105
考点20 黄金的流动性、收益情况及风险点 ······················································································105
第8节 同步强化训练 ············································································································· 106
第6章 理财顾问服务
第1节 理财顾问服务概述 ······································································································ 117
考点1 理财顾问服务概念 ····················································································································117
考点2 理财顾问服务流程 ····················································································································117
考点3 理财顾问服务特点 ····················································································································118
第2节 客户分析 ···················································································································· 118
考点4 收集客户信息 ····························································································································118
考点5 客户财务分析 ····························································································································119
考点6 客户风险特征和其他理财特性分析 ························································································120
考点7 客户理财需求和目标分析 ········································································································121
第3节 财务规划 ···················································································································· 121
考点8 现金、消费和债务管理 ············································································································121
考点9 保险规划 ····································································································································123
考点10 税收规划 ··································································································································124
考点11 人生事件规划 ··························································································································125
考点12 投资规划 ··································································································································126
第4节 同步强化训练 ············································································································· 127
第7章 个人理财业务相关法律法规
第1节 个人理财业务活动涉及的相关法律 ············································································· 140
考点1 《中华人民共和国民法通则》 ································································································140
考点2 《中华人民共和国合同法》 ····································································································142
目 录 IX
考点3 《中华人民共和国商业银行法》 ····························································································143
考点4 《中华人民共和国银行业监督管理法》 ················································································147
考点5 《中华人民共和国证券法》 ····································································································149
考点6 《中华人民共和国证券投资基金法》 ····················································································153
考点7 《中华人民共和国保险法》 ····································································································155
考点8 《中华人民共和国信托法》 ····································································································156
考点9 《中华人民共和国个人所得税法》 ························································································157
考点10 《中华人民共和国物权法》 ··································································································158
第2节 个人理财业务活动涉及的相关行政法规 ······································································ 160
考点11 《中华人民共和国外资银行管理条例》 ··············································································160
考点12 《期货交易管理条例》 ··········································································································161
第3节 个人理财业务活动涉及的相关部门规章及解释 ··························································· 162
考点13 《商业银行开办代客境外理财业务管理暂行办法》 ··························································162
考点14 《证券投资基金销售管理办法》 ··························································································163
考点15 《保险兼业代理管理暂行办法》和《关于规范银行代理保险业务的通知》 ··················165
考点16 《个人外汇管理办法》和《个人外汇管理办法实施细则》 ··············································166
第4节 同步强化训练 ············································································································· 167
第8章 个人理财业务管理
第1节 个人理财业务合规性管理 ··························································································· 194
考点1 开展个人理财业务的基本条件 ································································································194
考点2 开展个人理财业务的政策限制 ································································································196
考点3 开展个人理财业务的法律责任 ································································································198
第2节 个人理财资金使用管理 ······························································································· 199
考点4 《商业银行个人理财业务管理暂行办法》有关商业银行个人理财资金使用的规定 ········199
考点5 《关于进一步规范商业银行个人理财业务投资管理有关问题的通知》有关商业银行
个人理财业务资金的使用规定 ································································································200
考点6 《关于进一步规范银信合作有关事项的通知》有关商业银行个人理财业务资金的使用
规定 ············································································································································201
第3节 个人理财业务流程管理 ······························································································· 201
考点7 业务人员管理 ····························································································································201
考点8 客户需求调查 ····························································································································202
考点9 理财产品开发 ····························································································································202
考点10 理财产品销售 ··························································································································203
考点11 理财业务其他管理 ··················································································································205
第4节 同步强化训练 ············································································································· 205
X 个人理财讲义·真题·预测全攻略
第9章 个人理财业务风险管理
第1节 个人理财的风险 ·········································································································· 213
考点1 个人理财风险的影响因素 ········································································································213
考点2 理财产品风险评估 ····················································································································213
第2节 个人理财业务面临的主要风险 ···················································································· 214
考点3 风险分类 ····································································································································214
考点4 个人理财业务风险管理的基本要求 ························································································214
考点5 个人理财顾问服务的风险管理 ································································································215
考点6 综合理财业务的风险管理 ········································································································217
考点7 产品风险管理 ····························································································································218
考点8 操作风险管理 ····························································································································218
考点9 销售风险管理 ····························································································································219
考点10 声誉风险管理 ··························································································································219
第3节 同步强化训练 ············································································································· 219
第10章 职业道德和投资者教育
第1节 个人理财业务从业资格简介 ························································································ 226
考点1 境外理财业务从业资格简介 ····································································································226
考点2 境内银行个人理财业务从业资格 ····························································································226
考点3 银行个人理财业务从业人员基本条件 ····················································································226
第2节 银行个人理财业务从业人员的职业道德 ······································································ 227
考点4 从业人员销售活动遵循原则 ····································································································227
考点5 从业人员销售活动注意事项 ····································································································227
考点6 从业人员销售活动禁止事项 ····································································································228
考点7 从业人员岗位要求 ····················································································································229
考点8 从业人员的限制性条款 ············································································································229
考点9 从业人员的法律责任 ················································································································230
第3节 个人理财投资者教育 ·································································································· 231
考点10 投资者教育概述 ······················································································································231
考点11 投资者教育功能 ······················································································································231
考点12 投资者教育内容 ······················································································································231
第4节 同步强化训练 ············································································································· 232
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