假设杨华夫妇是你的新客户,目前正面临生涯与家庭上的转变,需要金融理财师协助规划。经

题型:单项选择题

问题:


假设杨华夫妇是你的新客户,目前正面临生涯与家庭上的转变,需要金融理财师协助规划。经过初步沟通面谈后,你获得了以下家庭、职业与财务信息:
一、案例成员
姓名家庭成员年龄职业身体状况
杨华丈夫38岁西门子公司担任部门经理
吴红妻子38岁南方航空公司担任公司出纳
杨晓强儿子2岁幼儿园学生
二、收支情况
1.收入:杨华每月税前收入为13000元;吴红每月税前收入为8000元。
2.支出:为应付日常开支,杨华家里常备有5000元的现金。除每月需要偿还的房贷以外,杨华一家每年保险支出为25000元,每月生活开支保持在5000元左右。杨晓强每年幼儿园学费支出8000元。每年旅游支出10000元。
三、资产情况
1.实物资产:杨华夫妇于2006年12月31日购买了一套总价85万元的住房,贷款总额为50万元,贷款利率5.5%,15年还清,他们采取的是等额本金还款方式,目前该房产现值为90万元。
2.金融资产:杨华目前在银行的存款还有8万元,其中包括银行利息约900元(税后)。杨华投资比较保守,对于股票兴趣不大,目前名下有国债5万元(含去年实际收到的1000元收益),债券基金4万元(含去年实际收到1200元的收益)。
四、保险状况
杨华三年前还接受了理财规划师的建议而大量投保,目前保单现金价值为8万元(即个人账户余额),去年收到保险分红2300元。
五、理财目标
杨华夫妇考虑到子女教育是一项庞大支出,决定将手中持有的国债和债券基金全部用来为孩子作储备教育金。
六、假设条件
2007年个人所得税费用减除标准为每月1600元;2008年个人所得税费用减除标准为每月2000元。

杨华一家的负债比率为( )。

A.0.43

B.0.45

C.0.48

D.0.50

考点:金融理财师综合案例分析三口小康之家、都市年轻家庭、策划总监家庭、中年白领夫妇退休养老、双薪家庭的理财规划
题型:单项选择题


以下提供若干组考题,每组考题共同使用在考题前列出的A、B、C、D、E五个备选答案。请从中选择一个与考题相关的正确答案。每个备选答案可能被选择一次、多次或不被选择。

下半口义齿基托应尽量缩小的区域是

A.下颌前弓区
B.远中颊角区
C.颊侧翼缘区
D.磨牙后垫区
E.舌侧翼缘区

题型:单项选择题

Valencia is in the east part of Spain(西班牙). It has a port on the sea, two miles away on the coast. It is the capital of a province that is also named Valencia.

The city is a market centre for what is produced by the land around the city. Most of the city’s money is made from farming. It is also a busy business city, with ships, railways, clothes and machine factories.

Valencia has an old part with white buildings, colored roofs, and narrow streets. The modern part has long, wide streets and new buildings. Valencia is well known for its parks and gardens. It has many old churches and museums. The University in the centre of the city was built in the 13th century.

The city of Valencia has been known since the 2nd century. In the 8th century it was the capital of Spain. There is also an important city in Venezuela(委内瑞拉)named Valencia.

小题1:From the text, how many places have the name Valencia?

A.One.  

B.Two.

C.Three.     

D.Four.小题2:What is the main difference between the two parts of the city?

A.The color of the buildings.

B.The length of the streets. 

C.The age of the buildings.

D.The color of the roofs.小题3:When was Valencia the most important city in Spain?

A.2nd century.

B.8th century.

C.13th century.

D.20th century.小题4:What is Valencia famous for?

A.Its seaport.

B.Its University.

C.Its churches and museums.

D.Its parks and gardens.小题5:The main income of the city of Valencia is from its_____.

A.markets.

B.business.

C.factories.

D.farming.

题型:单项选择题

心理健康的标准主要采用()

A.问卷调查

B.定性观察

C.访谈调查

D.行为观察

E.自我评定

题型:单项选择题

从资源分配的角度可将设备分为【 】、共享设备和虚设备。

题型:单项选择题

土钉墙支护、应在土钉、喷射混凝土面层的养护时间至少()以后,方可开挖下层土方。

A.1天

B.2天

C.3天

D.4天

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