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1、《個人理財(cái)》課程簡介 課程編號 12FIN331 課程名稱 個人理財(cái) 課程性質(zhì) 必修 學(xué) 時(shí) 32 學(xué) 分 2 學(xué)時(shí)分配 授課：32實(shí)驗(yàn)： 上機(jī)：實(shí)踐： 實(shí)踐（周）： 考核方式 閉卷考試，平時(shí)成績占50% ,期末成績占50% o 開課學(xué)院 國際教育學(xué)院 更新時(shí)間 適用專業(yè) 財(cái)務(wù)管理（中澳合作） 先修課程 會計(jì)學(xué)、財(cái)務(wù)管理原理 課程內(nèi)容: 本課程主要介紹個人理財(cái)?shù)母拍?，個人理財(cái)行業(yè)的法律、法規(guī)，政府對個人幫助的主要 形式，如何選擇投資方式，保險(xiǎn)和養(yǎng)老金的作用等。課程的主要內(nèi)容是： 1 .解釋個人理財(cái)行業(yè)的結(jié)構(gòu)、法規(guī)和參加者 2 .

2、探討個人理財(cái)?shù)某绦? 3 .分析個人理財(cái)中退休計(jì)劃和社會保障問題 4 .探討家庭投資等。 ⑵ 黃祝華，韋耀瑩.個人理財(cái)（第2版）.大連：東北財(cái)經(jīng)大學(xué)出版社,2010. [3]中國銀行業(yè)從業(yè)人員資格認(rèn)證辦公室.銀行業(yè)從業(yè)人員資格認(rèn)證考試輔導(dǎo)教材:個人理財(cái). 北京：中國金融出版社出版,2007 執(zhí)筆: 審核: 批準(zhǔn): Brief Introduction Code 12FIN331 Title Financial Planning Course nature Required Semester Hours 32 Credits 2 Semester Hour Str

3、ucture Lecture： 32 Experiment： Computer Lab： Practice： Practice (Week)： Assessment Closed book examination, usually results accounted for 50%, the final grade accounted for 50%. Offered by International Education College Date for Financial Management (Sino-Australian cooperation) Prerequis

4、ite Accounting, Financial Management Course Description: This subject introduces the concepts involved in personal financial planning. It provides an overview of the laws and regulations relating to the financial planning industry, the forms of government assistance to individuals, the choice

5、 of investments available, and the role of insurance and superannuation. The objective of this course is: 1. be able to explain the structure, regulation and participants in the financial planning industry; 2. be able to discuss the financial planning process; 3. be able to analyse retirement pl

6、anning and social security issues of financial planning; 4. be able to discuss investments available to households. 《個人理財(cái)》課程教學(xué)大綱 課程編號 12FIN331 課程名稱 個人理財(cái) 課程性質(zhì) 必修 學(xué) 時(shí) 32 課程性質(zhì) 必修 學(xué)時(shí)分配 授課：32實(shí)驗(yàn)： 上機(jī)：實(shí)踐：實(shí)踐（周）： 考核方式 閉卷考試，平時(shí)成績占50% ,期末成績占50% o 開課學(xué)院 國際教育學(xué)院 更新時(shí)間 適用專業(yè) 財(cái)務(wù)管理（中澳合作） 先修課程 會計(jì)

7、學(xué)、財(cái)務(wù)管理原理 一、教學(xué)內(nèi)容 Topic 1 The financial planning profession 1.1 Financial planners and advisers 1.2The growth of financial planning and investment advice 1.3Legal constraints on investment advisers and financial planners 1.4Disclosure of risks 1.5Industry abuses Difficulties： Disclosure of r

8、isks Key points: Legal constraints on investment advisers and financial planners Topic 2 Saving, flnancial markets and financial institutions 2.1 Funds flows 2.2The determinants of saving 2.3Financial markets 2.4In termediation 2.5Financial institutions 2.6The Australian banks Difficulties：

9、 The determinants of saving Key points: Financial markets, Financial institutions Topic 3 Interest rates and debt securities 3.1The structure of interest rates 3.2The yield curve 3.30ther influences on the structure of interest rates 3.4Financial calculations 3.5Short-term securities 3.6Cap

10、ital value risk of debt securities 3.7The risks of debt securities Difficulties： The yield curve Key points: The structure of interest rates, Capital value risk of debt securities Topic 4 Shares and efficient markets 4.1 Factors affecting share prices 4.2Valuation of Uneven Dividend paying sto

11、ck 4.3Asset pricing models 4.4The capital asset pricing model (CAPM) 4.5Efficient markets 4.6Forecasting techniques 4.7Trading rules and strategies Difficulties： Factors affecting share prices Key points: The capital asset pricing model (CAPM), Efficient markets Topic 5 The good, the bad and

12、 the ugly 5.1 The good 一 property 5.2Property syndicates 5.3The bad 一 collectables 5.4Returns 5.5The ugly — scams Difficulties： Property syndicates Key points: The good 一 property, The bad 一 collectables Topic 6 Managed funds 6.1 The advantages and disadvantages of managed investment funds

13、 6.2Measuring fund performance 6.4Master trusts 6.5What should advisers tell clients? Difficulties: Measuring fund performance Key points: The advantages and disadvantages of managed investment funds, Investment styles Topic 7 Risks in investment and insurance 7.1 Variability risk 7.2 The ho

14、listic approach to risk 7.3 Risk management and insurance 7.4 Life insurance 7.5 Disability income protection 7.6 Health insurance 7.7 General insurance Difficulties: Diversification of the risk Key points: Risk management and insurance Topic 8 Gearing and negative gearing 8.1 Borrowing to

15、invest 8.2Borrowing 8.3Risks of gearing 8.4Protecting borrowers from margin calls 8.5Taxation changes 8.6Geared equity with downside cover Difficulties： Risks of gearing Key points: Protecting borrowers from margin calls,Taxation changes Topic 9 Taxation issues for investors 9.1 Personal in

16、come tax 9.2Capital gains tax 9.3Tax minimisation strategies 9.4Trusts Difficulties： Tax minimisation strategies Key points: Personal income tax, Capital gains tax Topic 10 Superannuation, retirement and estate planning 10.1 Superannuation rules 10.2DIY superannuation funds 10.3Taxation opp

17、ortunities provided by superannuation 10.4Estate planning Difficulties： DIY superannuation funds Key points: Superannuation rules, Estate planning Topic 11 Social security aspects of Hnancial planning 11.1 Eligibility requirements 11.2The pensions, benefits and allowances available to retirees

18、and other 11.3Members of the community 11.4The eligibility requirements for these benefits Difficulties： The eligibility requirements for these benefits Key points: The pensions, benefits and allowances available to retirees and other Topic 12 Creating a financial plan 12.1 Steps in creating a

19、 financial plan 12.2Suggested changes to portfolio 12.3Sensitivity analysis 12.4Asset accumulation Difficulties： Suggested changes to portfolio Key points: Steps in creating a financial plan Topic 13 Derivatives in investment management 13.1 The share price index futures contract 13.2Options

20、 13.3Put call parity 13.4Some option strategies for investors 13.5Option strategies Difficulties： Put call parity Key points: The share price index futures contract, Options 二、教學(xué)基本要求 Topic 1 The financial planning profession Describe the roles of financial planners and advisers; explain the

21、 strong growth in this industry; and set out the legal and regulatory requirements which have been imposed on representatives in the industry. Topic 2 Saving, financial markets and Hnancial institutions The aim of this chapter is to provide the reader with a knowledge of the way in which househo

22、lds accumulate assets, incurliabilities and increase their wealth; an understanding of the factors that determine saving; the ability to calculate the amount that a person needs to save to provide for retirement; familiarity with the financial institutions that transfer funds from savers to borro

23、wers; and details of the markets in which financial assets and liabilities are traded. Topic 3 Interest rates and debt securities The basic aims of this chapter are to set out the characteristics of debt securities as investments and to explain interest rates and interest rate calculations. On c

24、ompleting the chapter, the reader will be able to: understand the factors determining interest rates; evaluate debt securities as possible investments; and carry out calculations on interest rates and on the pricing of debt securities using the most commonly used financial calculators. Topic 4 S

25、hares and efficient markets Describe an important class of financial assets — shares; explain how to calculate measures of the return on shares and their value; understand the determinants of share prices, especially interest rates, market psychology and overseas share prices; use the dividend di

26、scount model; use the capital asset pricing model and the beta of a share which is an important element of this model; use the capital asset pricing model to estimate the risk premium demanded by share investors; explain the way in which income from shares is taxed; distinguish between value and

27、growth stocks and be able to analyse the relative performances of these categories; and understand the concept of efficient markets and its implications for investment decisions. Topic 5 The good, the bad and the ugly The objective of this chapter is to consider a range of additional investments

28、 and to evaluate their quality. The investments are: the good - property which historically has yielded good returns and which, in some cases, receives significant tax advantages; the bad - collectables which provideowners with some pleasure but which have some less desirable characteristics as i

29、nvestments; and the ugly 一 scams and confidence tricks that have been used to separate investors from their money. On completing this chapter, the reader will be able to advise clients on the proper role of property in an investor's portfolio, explain the benefits and downside of investing in col

30、lectables to clients and steer them away from scams. Topic 6 Managed funds Be aware of the range of managed funds (trusts) available in Australia; understand the rules governing these vehicles; and be able to measure the performance of such funds. Topic 7 Risks in investment and insurance Anal

31、yse the nature of risk and its implications for the provision of financial advice. It will prepare readers to: understand the nature and sources of risk; analyse the overall risk of a full financial plan; make use of techniques to minimise risk; and measure clients, attitude to risk and the consi

32、stency of these attitudes. Topic 8 Gearing and negative gearing Calculate the benefits obtained from setting up a geared or negatively geared investment structure; evaluate the risks arising out of such a structure; and design the structure so that the risks are controlled. Topic 9 Taxation iss

33、ues for investors Get basic knowledge of: the income taxation system; capital gains tax (CGT); dividend imputation; the changes to be introduced by the Ralph reforms; the tax advantages of home ownership; and tax minimisation techniques. Topic 10 Superannuation, retirement and estate planning U

34、nderstand the rules affecting superannuation; be able to manage a do-it-yourself (DIY) superannuation fund; have a comprehensive knowledge of the taxation aspects of superannuation; be aware of the best ways to organise retirement income; and be able to advise clients on estate planning. Topic 1

35、1 Social security aspects of financial planning Understand the pensions, benefits and allowances available to retirees and other members of the community; and the eligibility requirements for these benefits. It should be noted that many of these benefits and the eligibility requirements for them

36、are indexed. Therefore, the chapter canonly set out the principles governing social security benefits. Advisers will need to check the actual dollar amounts currently in force before providing advice in this area. Topic 12 Creating a financial plan On completing this chapter, readers should be a

37、ble to construct a financial plan, although they could not claim to be a financial planner until they had created a number of plans under the supervision of an experienced planner. Topic 13 Derivatives in investment management The reader of this chapter will be able to: explain how derivatives w

38、ork and their risks and benefits; use share index futures to protect a share investment use share options to protect a share investment and to avoid margin calls on a leveraged share investment; option strategies that earn profits in suitable environments; and use share derivatives to construct s

39、ynthetic investments or to increase the return on a portfolio. 三、章節(jié)學(xué)時(shí)分配 章次 總課時(shí) 課堂講授 實(shí)驗(yàn) 上機(jī) 實(shí)踐 備注 1 2 2 2 2 2 3 2 2 4 4 4 5 2 2 6 2 2 7 4 4 8 2 2 9 2 2 10 2 2 11 4 4 12 2 2 13 2 2 總計(jì) 32 32 四、教材與主要參考資料 教材 Warren McKEOWN. Financial Planning. John Wiley & Sons Australia, Ltd, 2012. 參考資料 [1]阿瑟?J?基翁(Arthur J.Keown),汪濤，郭宇.個人理財(cái)(第4版).北京：中國人民大學(xué)出版 社,2010.