Financial planner test paper

Financial planner is a desirable career.

Financial planner is a profession that requires high personal knowledge and operational ability.

Financial planner is a career that can last for a lifetime.

Financial planner is a profession that becomes more valuable with age.

Financial planner is a career that needs lifelong learning.

Financial planner is a profession that is constantly facing challenges.

I. Professional Qualification Certificate and Professional Title

Professional qualification is a prerequisite for engaging in a certain occupation. For example, if you want to be a lawyer, you must first obtain the qualification of a lawyer. To engage in teaching, you must first obtain the qualification of a teacher. Literally, the meaning of a professional title is only the job name. Since many countries in the world have no professional titles after China's entry into WTO, the reform of professional titles in China will be further accelerated, the concept of professional titles will be further diluted, and the scope of implementation of the professional qualification system will be expanded. This is an inevitable trend.

Second, what is a financial planner?

Financial planner is a new term for domestic investors, but it has a history of many years abroad. The United States began to certify registered financial planners from 1972.

3. What does a financial planner do?

Financial planner is a professional who makes financial planning for clients. According to customers' asset status and risk preference, financial planners provide customers with all-round financial analysis and suggestions, find the most suitable financial management method for customers, and ensure the preservation and appreciation of customers' assets.

According to the changes of personal income and expenditure in different periods of career development, with the assistance of financial experts, tax agents, insurers, real estate appraisers and other experts, we will formulate solutions to savings plans, insurance, investment countermeasures, tax countermeasures, property heirs and business problems.

Fourth, the role of financial planners?

But the investor's "private financial advisor" is the investor's "financial broker" rather than the product sales agent of financial institutions. Financial planners help investors with product selection, product mix and asset allocation based on the interests of investors, but the goal of helping investors "make money" and avoid risks cannot be achieved by a financial planning report. Financial planners should constantly adjust their clients' investment portfolios according to changes in the market and policies, so as to achieve the purpose of long-term financial management.

5. What qualities do financial planners need?

Familiar with a series of life planning professional knowledge such as income and consumption analysis, financial security analysis, personal tax planning, risk and portfolio analysis, family risk protection, children's education, comprehensive retirement pension plan, inheritance and trust management.

(2) Must have knowledge of finance, economy and investment. It covers stocks, funds, trusts, bonds, foreign exchange, taxation, insurance and macroeconomic analysis.

③ Rich practical experience. Financial planner is a "practical" profession, so it is necessary to have practical operation ability to create value for customers in the process of financial management, that is, to help customers "make money".

6. What is the market prospect of financial planners?

With the development of society, Chinese people have more and more spare money, but the interest rate of bank deposits is decreasing. The traditional and single investment method of bank deposits can no longer meet people's needs. For families who pay attention to asset investment and "have good ways to make money", professional financial guidance is urgently needed. It is estimated that by 2008, the scale of domestic wealth management market will far exceed 1000 billion RMB. In a mature financial market, there must be at least one professional financial planner in every three families. According to this calculation, there is a gap of at least 200,000 financial planners in China.

7. In what ways do financial planners manage "wealth"?

Financial planners of all majors are "letting Qian Shengqian", that is, according to the income and expenditure changes of individuals or institutions in different periods of career development, according to the different preferences of investors, the scale of funds and personal wishes, tailor-made financial plans such as savings plans, insurance plans, investment plans and tax countermeasures. Therefore, the financial planner has a profound emphasis on the operation mode, financial analysis, risk prevention and overall planning of product investment. In addition, he has a good professional ethics and personal character, and can completely stand in the position of customers, make suggestions for customers, and create profits for customers, instead of selling his own products.

Eight, how to become an excellent financial planner?

(1) "Wealth" comes from two aspects. On the one hand, investment appreciation, such as stocks, real estate, industry and so on. On the other hand, it is "saving money". You should help customers manage cash flow reasonably, arrange consumption expenditure reasonably, and make customers financially healthy.

For example, stock investment is a long-term value-added tool for financial investment. At the same time, it also faces great risks. If you want to guide customers to invest, you must first have rich investment experience. People who haven't tasted pears don't know the taste of pears. Therefore, an excellent financial planner needs to keep learning and acquire all kinds of information and knowledge.

Professional financial knowledge and rich practical experience.

(2) Financial planners have good professional ethics. They want to change the sales model of financial products in the past, establish a financial service model with customer interests as the core, and regard financial products as "financial department stores". Financial planners should choose or combine the most suitable financial products from many financial products, so that the assets of customers will continue to increase.

9. What is the income of the financial planner?

The average income of American financial planners is 1 1 10,000 US dollars, and the average income of Hong Kong financial planners reached more than 2 million Hong Kong dollars last year. The annual salary of domestic financial planners should be between100000 yuan and100000 yuan.

The financial planner's income source includes three parts: including financial consulting fees, commissions for selling financial products, and income sharing after providing asset management services.

X. what are the main ways for financial planners to engage in after obtaining certificates?

① Major banks, insurance companies, securities companies and other financial institutions engaged in financial services need a large number of financial planners.

(2) Establish a professional financial management company and become a specialized organization similar to law firms and accounting firms. In the United States and Hong Kong, wealth management companies are quite common and the market is very mature.

③ Become a professional financial planner trainer.

Xi。 Financial planner market analysis?

① Financial institutions need professional financial planners in the competition. With the development of financial services, financial institutions continue to introduce product innovation. In the transformation of financial institutions from "product-centered" to "customer-centered" service model, their personal financial business ability will determine the market competitiveness of financial institutions. Therefore, banks, securities companies, insurance companies, investment companies and other financial institutions urgently need professional personal financial planners and professional financial training for their employees.

People have more and more money in their hands, and they urgently need financial management. In the past six years, the annual market growth rate of China's wealth management business has reached 18%. In 2005, the size of China's financial market will reach 25 billion US dollars, while in China, financial planners are very scarce in China. In China, less than 65,438+00% of consumers' wealth has received professional management, while in the United States, about 58% of households have received professional management. Therefore, financial planner will become a hot new career in the future. According to the survey released by the National Economic Monitoring Center, there are about 70%.

What are the similarities and differences of personal financial planning at home and abroad?

Similarities: ① The purpose is the same: through financial planning, individuals can achieve financial freedom and autonomy and increase their interests.

② The contents are the same: including cash flow management, investment planning, insurance planning, retirement planning, inheritance planning, etc.

Differences: ① The financial environment in the market is different, and the financial products available for investors in the United States are rich.

② The legal environment is different. In the United States, taxpayers will be severely punished once they declare that they do not meet the requirements.

③ The credit environment is different. In western developed countries, a perfect personal credit system has been established.

Thirteen, the role of financial planners?

Can help you save money. Because financial planners eat by knowing all kinds of information and economic problems, they can usually collect more and more three-dimensional economic investment information.

② Help customers save time. Financial planners can help you quickly investigate which projects are available for investment and the latest financial products (such as real estate, shops, etc.). ) and study and observe the investment performance of the operation, which can help customers save time.

14. Which groups of people need the help of financial planners?

(1) The annual household income exceeds 50,000 yuan.

(2) The annual tax payment exceeds 200,000 yuan.

(3) Obtaining unexpected wealth due to inheritance or winning prizes.

(4) The total amount of inheritance exceeds 600,000 yuan.

⑤ After the time deposit certificate expires, the interest is higher. How do you want to renew it?

6. Change spending habits and strengthen personal savings.

All landowners need to save a lot of tuition for children.

Lack of time and energy to collect information about investment projects.

Pet-name ruby understand all kinds of insurance contracts and employee social security benefits and other information.

It is mainly used for people whose lifestyles have undergone major changes, such as marriage, divorce, having children and buying houses.

15. What are the registration requirements for financial planners?

-Financial planner and assistant financial planner (with one of the following conditions)

(1) has a college degree, has been engaged in this profession for more than 4 years before the application, and has been trained by a financial planner to reach the standard hours, and has obtained a certificate of completion.

(2) Obtaining a bachelor's degree in related majors, having been engaged in his own work for more than 3 years before applying, having been trained by a financial planner to reach the standard hours, and having obtained a certificate of completion.

(3) Obtain a master's degree in related majors, have been engaged in their own work for more than 1 year before application, and have been trained by financial planners to reach the standard hours, and obtain a certificate of completion.

-Senior financial planner (with one of the following conditions)

(1) Having a college degree or a bachelor's degree, having worked as a financial planner for more than 5 years after obtaining the professional qualification certificate of the financial planner, having been trained by a senior financial planner to reach the required standard hours and having obtained a certificate of completion.

(2) Have a master's degree in non-financial major, obtain the qualification certificate of financial planner, have been engaged in financial planner for more than 3 years continuously, have achieved certain work achievements (including research achievements, award-winning achievements, papers and works), have been formally trained by senior financial planner to reach the required standard hours, and have obtained the certificate of completion.

(3) Obtain a master's degree or above in finance or a doctorate in other specialties, obtain a qualification certificate for financial planners, have been engaged in financial planners for more than 2 years continuously, and have achieved certain work results (including research results, reward results, papers and works), and have been formally trained by senior financial planners to reach the required standard hours, and have obtained a certificate of completion.

Sixteen, issuing authority:

There are three levels of this profession: assistant financial planner (national vocational qualification level 3), financial planner (national vocational qualification level 2) and senior financial planner (national vocational qualification level 1). Those who pass the examination will be awarded the Professional Qualification Certificate of People's Republic of China (PRC) National Financial Planner by the Ministry of Labor and Social Security, which is the only professional qualification certificate certified by the state in this financial industry.

Seventeen. check

It is divided into two parts: theoretical knowledge test and professional ability test.

The theoretical knowledge test adopts a closed-book written test, and the professional ability test adopts a closed-book simulated written test, both of which adopt a percentage system, and the score of 60 or above is qualified.

The examination time is 90 minutes respectively.

Eighteen, training fees:

The financial planner's fee is 8950 yuan (national guidance price), including: training fee, teaching material fee, information fee, examination fee and comprehensive evaluation fee.

The training fee for registered financial planners certified by the Hong Kong Institute of Planners is 28,000 yuan, and the training fee for financial planners certified by the Li Ka-shing Institute of Professional Continuing Education of the Open University of Hong Kong is 3,800 yuan each, with a total of 6 courses.

Nineteen, what kind of training?

Combining classroom teaching with special lectures, case analysis and group discussion, supplemented by exam-oriented guidance and simulated exercises; And online communication.

20. What is the difference between a financial planner and a senior financial planner?

① Different application conditions. The prerequisite for the senior financial planner to apply for the exam is to obtain the professional certificate of financial planner first.

② The educational background is different.

Twenty-one, the learning content of financial planners

Basic principles of financial planner, cash planning, insurance planning and risk management, investment planning, income tax planning, real estate planning, children's education planning, retirement planning, property inheritance planning and case analysis.

If subdivided, it also includes:

(1) Language expression, knowledge of conversation skills

② Methods of information collection, collation, induction and analysis.

③ The writing method of financial proposal and the legal knowledge of financial contract.

④ Knowledge of financial analysis and accounting principles

⑤ Knowledge of financial status judgment, scheme design and feasibility report.

⑥ Knowledge of investment skills and financial knowledge such as insurance and securities, as well as feedback and evaluation knowledge.

Twenty-two, qualification certification:

Many countries in the world do not have professional titles, which are mainly managed through professional qualifications and technical posts. With the deepening of reform or better integration with the world, it is necessary to dilute the professional title system and strengthen the professional qualification system. Through five years' efforts, the professional scope of the vocational qualification system has reached about 50, basically forming a relatively perfect vocational qualification system.

23. What is the function of vocational qualification certificate?

Vocational qualification certificate is the proof that workers have the necessary knowledge and skills to engage in a certain occupation. It is the qualification certificate for job hunting and business opening, the main basis for employers to recruit workers, and an effective certificate for the notarization skill level of overseas employment and foreign labor cooperation personnel.

24. How does vocational qualification certification help individuals?

It is the best way to improve one's professional condition, and it is also the best way to show one's ability to meet the requirements of professional standards. People's Republic of China (PRC) vocational qualification certificate is a national certificate, which is a requirement to help individuals prove their ability to meet the requirements of professional standards. 2 1 century talents must have academic diplomas and vocational qualification certificates.

National Financial Planner (ChFP)

Q: What is the national financial planner certification?

A: With the development of economy and the continuous growth of per capita disposable income, people begin to pay more attention to their financial situation, hoping to use the combination of savings and other financial management tools to ensure their financial freedom and dignity in their future lives. In this context, financial planners who plan the overall wealth for customers came into being, with broad career development prospects. However, due to the lack of unified management and guidance, a variety of financial planning certification and training have appeared in society, and the quality of examinations and training is uneven, which has affected the healthy development of the entire financial planning industry. In order to standardize the financial planner industry and establish a unified and authoritative financial management certification certificate, the Ministry of Labor and Social Security initiated the professional qualification certification examination for financial planners (that is, national financial planners) and formulated the National Professional Standards for Financial Planners, in an effort to establish a unified and standardized industry standard.

Q: What are the characteristics of national financial planner certification?

A: As the only national registered financial planner, the national financial planner is authoritative and localized. The so-called authority means that the professional qualification certificate of financial planner is the only certificate issued by the government authority, the Ministry of Labor and Social Security is the only authority that issues the national professional qualification certificate, and other financial certification institutions in society belong to non-governmental organizations. Localization means that the national financial planner is based on the local reality in China and is practical. The examination arrangement and training courses are highly operational, and the knowledge learned is closely related to the national conditions and reality of China, so it is practical.

Q: How many levels of national financial planners are there?

A: National financial planners are divided into three levels:

National vocational qualification level 3, assistant financial planner.

National vocational qualification level 2, financial planner.

National vocational qualification level 1, senior financial planner.

At present, only the third-and second-level certification of national vocational qualifications has been launched.

Q: How long is the interval between each national financial planner certification examination?

A: The National Financial Planner Certification Examination is taken twice a year, in May and 1 1 respectively.

Q: Does the national financial planner exam require training?

A: National financial planners do not require compulsory training. Those who meet the requirements for direct application can take the exam directly without training. For details, please refer to the examination conditions. However, because it requires extensive and comprehensive financial knowledge and rich practical experience to pass the national certification examination for financial planners, it will be more conducive to passing the examination certification to participate in formal examination training.

Q: What are the career prospects of financial planners?

A: From the international experience, financial planners, as financial practitioners who provide financial planning services to customers, can serve financial institutions, such as commercial banks and insurance companies, or they can practice independently and provide financial services to customers as a third party. 1997 The average annual salary of financial planners in the United States was $65,438 +0 1 10,000, which was equivalent to the middle managers of large companies. The difference is that many of them only work 600 hours a year. In 200 1 America's "Job Evaluation" ranking, financial planners ranked first, including the presidency.

Judging from the development of China, the long-term rapid economic development has accumulated a lot of wealth in the hands of residents, but it lacks scientific management methods; On the other hand, the rapid increase of various financial investment tools makes it difficult for people to master them and needs the guidance of relevant professionals. It can be seen that the economic development of China objectively needs financial planners to plan and manage people's wealth. At present, financial planners are still a new industry in China, with a huge gap and considerable development potential and space.

Q: What certifications do internationally renowned financial planners have?

A: chfc- Chartered Financial Advisor

American CHFC (Chartered Financial Advisor) 1982 was founded by American College. It is widely recognized for its difficult examination, perfect follow-up training and practical operation, and 45,000 people have obtained certificates. To obtain a ChFC license, you need to have 3 years of relevant work experience and pass 8 core courses. Mutual recognition credits for financial professional qualifications such as ChFC.

Chartered life financial planner

CLU(Chartered Life Underwriter) is the abbreviation of chartered life financial planner, and it is one of the three major financial certifications in the United States. As the highest-level qualification certification recognized in the field of life insurance, CLU started from 1927, and more than 94,000 people have obtained this certificate, which is the financial management certification certificate with the largest number of holders at present. With the development of CLU, its scope is not limited to the field of life insurance, but the most comprehensive financial planning certification. To obtain the CLU certificate, you need to pass eight core courses to acquire the ability of revenue and expenditure planning, real estate planning, property inheritance planning, property management and so on.

CFP- International Financial Planner

CFP (International Financial Planner) is the abbreviation of international financial planner. It has been certified by CFP Standards Committee and widely recognized in the United States. The first CFP was born in the United States from 65438 to 0972. By the end of 2004, 50,000 people in the United States had obtained this certification. CFP examination covers seven sub-topics *** 102, including insurance, investment, finance and accounting, covering basic principles, policies, regulations and market investment varieties.

All aspects of knowledge, such as wide content, are difficult.

IFA- Independent Financial Advisor

IFA (Independent Financial Consultant) is a professional qualification of financial planning in Britain, which mainly refers to the practitioners engaged in financial consulting industry. We usually refer to practitioners who have passed the financial planner exam and obtained the qualification of financial planner, while in Britain, they are called IFA, that is, independent financial consultants. Independent financial adviser in Britain is not a qualification examination, but a professional qualification. Its award standard mainly depends on whether you have obtained relevant professional qualifications, not through examinations.

Q: Is the national vocational qualification certificate authoritative?

A: 1. The certificate has a national unified number and can be queried online at any time. It is valid throughout the country and recognized by the state.

2. The Ministry of Labor and Social Security of People's Republic of China (PRC) is the only authoritative institution with the function of issuing national vocational qualification certificates.

3 national level associations and industry authoritative skill appraisal institutions undertake examination and evaluation, and designate institutions for training.

Q: What is the employment access system?

A: The so-called employment access system means that according to the relevant provisions of the Labor Law and the Vocational Education Law, workers engaged in occupations with complex technology and wide versatility, which involve state property, people's safety and consumers' interests, must undergo training and obtain professional qualification certificates before they can take up their posts. The scope of employment access is determined by the Ministry of Labor and Social Security and announced to the public.

Q: What's the difference between a professional qualification certificate and a professional title?

A: Vocational qualification is a prerequisite for engaging in a certain occupation. For example, to engage in teaching, we must first obtain the professional qualifications of teachers. Professional titles cover the dual meanings of professional and technical qualifications and professional and technical positions. Since many countries in the world don't have professional titles, after China's accession to the WTO, the reform of professional titles will be further accelerated, and the scope of implementation of the vocational qualification system will be gradually expanded.

Q: What is the vocational qualification certificate system?

A: The vocational qualification certificate system is an important part of the employment system and a special form of the national examination system. It refers to the objective, fair, scientific and standardized evaluation and appraisal of workers' skill level or vocational qualification through an appraisal institution recognized by the government in accordance with the vocational skill standards or qualification conditions formulated by the state, and the corresponding national vocational qualification certificates are issued to those who pass the examination.

Q: What is the difference between the national vocational qualification certificate and other certificates?

A: The national vocational qualification certificate is implemented by the government in the form of national laws, decrees and administrative regulations, and is implemented by an appraisal institution authorized by the government; The national vocational qualification certificate is the qualification certificate for workers to engage in corresponding occupations; The national vocational qualification certificate is an important basis for the employment of workers and the recruitment of employees by employers; The national vocational qualification certificate is universal in the whole country.

Guide to the application of national financial planners

registration requirement

The national professional qualification of financial planner is divided into three grades, one is senior financial planner, the other is intermediate financial planner and the third is assistant financial planner.

Who enter oneself for an examination of the national vocational level 3, as long as one of the following conditions:

(1) Engaged in this occupation for more than 6 years.

(2) having a diploma of this major or related major in a technical school, technician college or vocational and technical college with advanced skills as the training goal.

(3) College degree or above in this major or related major.

(4) Have a college degree or above in other majors and be engaged in this occupation 1 year or more.

(5) have a college degree or above in other majors, reach the standard hours stipulated in the third-level formal training of this major, and obtain a certificate of completion.

Who apply for the national vocational qualification level 2, as long as one of the following conditions:

(1) Have been engaged in this occupation continuously for more than 3 years1.

(2) Having been engaged in this occupation for more than 5 years continuously after obtaining the third-class occupation qualification certificate of this occupation.

(three) after obtaining the third-level vocational qualification certificate of this occupation, he has been engaged in this occupation for more than 4 years continuously, and has reached the prescribed standard hours after the second-level formal training of this occupation, and has obtained the certificate of completion.

(4) Having worked in this profession for more than 5 years after obtaining the undergraduate diploma of this major or related major.

(five) with a bachelor's degree in this major or related majors, and have been engaged in this occupation for more than 4 years after obtaining the third-class vocational qualification certificate.

(six) with a bachelor's degree in this major or related majors, and have been engaged in this occupation for more than 3 years after obtaining the third-level vocational qualification certificate of this occupation, and have reached the required standard hours after the second-level formal training of this occupation, and have obtained the certificate of completion.

(seven) after obtaining a master's degree or above, engaged in this occupation for more than 2 years.

Where to apply for the national vocational qualification grade, as long as one of the following conditions is met:

(1) Having been engaged in this occupation continuously for more than 9 years1.

(two) after obtaining the qualification certificate of the secondary occupation, he has been engaged in this occupation for more than 4 years.

(three) after obtaining the secondary vocational qualification certificate of this occupation, he has been engaged in this occupation for more than 3 years continuously, and has reached the standard hours stipulated in the formal training at the first level of this occupation, and has obtained the certificate of completion.

Examination content: theoretical knowledge, practical knowledge and comprehensive evaluation.

Grade: financial planner (national vocational qualification level 2)

Subject: theoretical knowledge (*** 125)

Examination time: 08:30- 10:00.

Appraisal content: 17 professional ethics issues; Choose more than 8 questions; ***25 theoretical knowledge, 60 questions; Choose more than 30 questions; Judge 10 question; *** 100 questions

Answer method: answer sheet

Subject: Practical Knowledge (Question *** 100)

Examination time: 10:30- 12:30.

Assessment content: 50 multiple-choice questions in the case of professional ability list; Choose more than 50 questions *** 100.

Answer method: answer sheet

Subject: comprehensive review

Examination time: 14:00- 15:30.

Evaluation content: Case analysis * * * Three questions

Answer method: paper and pencil answer questions.

Examination content:

* * * Three courses (basic knowledge, professional skills and comprehensive evaluation)

Examination time: