HND GU1大综合 答案!

你 1.RWD Company's external environment and response measures.

Asda announced that, in future, it would buy all its milk from Alra Foods. RWD Company lost 15% of orders for the contract. RWD companies looking for high growth rate of two customers, to make up弥补for the Asda. Responses are looking for short-term temporary new customers. In order to maintain profits ，in a short time should look for a new temporary customer to ensure确保product sales, the temporary customers to develop long-term customers.

Long-term need to develop new customers, the development of the supermarket's long-term cooperation. Supermarket product demand需求is very stable稳定, and very larger, so R's should focus on looking for stable long-term customers.

The price reduction下降by Arla. Affect RWD Company product prices, and affect our customer relationships and supply of raw materials原材料. Response are Short-term price reduction. Short-term price cuts will affect our profits, but in order to maintain market share, loss of some benefits利益is still good. Long-term need to improve the competitiveness of enterprises, rich kinds and improve efficiency效率. RWD companies should be the introduction new technologies to ensure milk production and improve productivity生产力inorder to cope with应付milk prices. Milk products should be more kinds of flavors口味to meet different consumer needs, to attract more consumers to buy our milk products.

In late 2004, First Milks, a Scottish milk co-operative, began negotiations谈判to buy 15% of shares in RWD. Purchase购买is successful. RWD Company has a reliable可靠的supplier of milk, can provide提供low-cost high-quality milk. Responses are Short-term low-price purchase of First Milk high-quality milk production. Long-term is development cooperation with the First Milk Company to buy shares. RWD company can buy the First Milk share, can be cooperation more better. Industry产业will become more diversification多样化, adding to the supply of raw milk market, the company's production and sales are good.

Competition Commission conducted进行an inquiry of the RWD Company. Responses are short-term is cooperate with the inquiry. Actively cooperate in the inquiry, try to shorten the inquiry time. Long-term enterprises should pay attention to compliance服从with the law, Acquisition in milk, milk manufacturing制造业sectors部门strictly严格的with the procedures程序related to the milk processing 加工industry。

RWD company's customer has changed. the main customers is a large supermarket. Responses are short-term affect the company's marketing. The company's marketing should be more kinds to meet market competition. Long-term should development cooperate with supermarket. Large supermarket milk is a lot of demand, the supermarket's customers will be more competitive, product sales will be more, to maintain good cooperation with the supermarket is good. now, the supermarket' is irreplaceable不可替代的.

2Restructuring and marking

Advantage :

1) Company’s main customer is market. So they don’t set up Marketing Department. They should focus on institutional market团购and not sale market. Institutional market is important. For example, RWD do well 。R WD’s main customer is market. So they focus on institutional market. Also institutional market is good and without trouble.

2)Company's core products are liquid milk. After organizational adjustments调整, company should put all the strategy战略focus on the core product. In other word, company should put all the strategy focus on liquid milk.

3)It helps to make the marketing behaviour and the other behaviour together organically.

4)Make its milk into the larger customers market. It can use Sales promotion. People develop the habit of drinking milk and may increase milk sales by business sector to carry out the operation of goals. From the organizational management, make it together is good to management and make the marketing activity effectively 5.generic marketing.

Disadvantage

1) Company's new product development is not enough and less. It also shows the importance of marketing the insufficient level of detail细节. Now the company put Human Resource and Marketing together. we can see they have not enough attention to marketing.

2)Marketing not be attention by company. RWD took Marketing merged into other departments and not list separately.没有单独列出

3) As more time in the sales of products use supermarket brand to sell lead to its impact is not big. So it must attention to marketing.

4) The company rely on the existing marketing strategy. And it don’t make the development and adjustment. Also it have no development of the product improvements.

3.Specialisation in milk and cream.

1.We can thing from the marketing mix, products can be taken for a similar pricing strategy, promotion strategy, distribution channels to achieve save of scale and save cost.

2.Focus only on products, just focus on the production of milk and cream, very little attention and consideration on other featuresc产品特点

3..customers can not easy to identify his product,because most product use a supermarket brand,so the customers can not know the product really brand,so it is not easy to make the customers loyalty.

4.The cusromers are so single,so the customer base is easy to classification.so it easy to differentiate between its supermarket customers and other customers.

5.Marketing information collection and research is so easy,because the product differentiation is very some.

6The customers only two kind. One is the supermarket,the other is the his brand of customers.so it is easy to distribution channel management.

4.(a)Important of supplier relationships

(1)If the supplier does not provide milk, no milk, so there is no way to produce the product. So, if supplier are not satisfied with them, they will be paralyzed. Then they can not achieve the goal. "Their aim is to be the recognised supplier of choice to the fresh liquid milk market". In this way, it can not meet the needs of customers.

(2)

Milk market is highly competitive market. Only with good milk, RWD can competition with ARLA. So have a good supplier is very important to provide milk.

(3)

RWD's slogan is "fresh milk daily". So milk ist important, quality is also very important. In order to fulfill his slogan, have a good relations with suppliers is even more important.

(b)Difficulties to keep supplier relationships

(1)If the purchase price is too low, it will affect the supplier's income and the income of dairy farmers. Rivals cut prices, we also have to cut prices, or not competitive. So the supermarkets and suppliers we all have the right price.

(2)

According to Appendix, the good`s profits is well in recent years, profits have increase, but profit growth may lead to bad relations with suppliers. Because their insterests are contrary, in order to increase profits, then they would reduce the purchase price of milk.

(c)Actions to maintain good supplier

(1) Continue to maintain its procurement采购strategy战略, high price than others, even if the reduce price, we have maintain high profits.

(2) To ensure high quality milk. Fresh daily. Continue to maintain the price advantage with other brands.

(3) Let suppliers to join in the management of the enterprise. When the suppliers and them has a good and stable relationship,and the supply of products will have stable. Because the supply of stable, so you can make up for losses from lower prices,and long-term supply.

(4) first milk status changes. From suppliers to the shareholders. Originally only interested in short-term interests, and now it is long-term interests, making the supply more stable milk.

5.Strengths and weaknesses of RWD.

Advantage

1) RWD has a clear core business is develop milk product. Union and trade can use its resources effectively. Purpose is very clear.

2) RWD in Scotland has a strong base and the base quite well. It is good for the future. Expand扩展to other places is a good way.

3) He already had a very good brand, and its prestige声誉in Scotland is very good. Because it is one of three milk companies.

4) According to the case ,we could see companies in the past 5 years in sales, investment投资, operation, management, assets资产and liabilities负债are very good.

5) Enterprises has a clear understanding of the market position. The clear different between himself and other companies to provide fresh milk every day -.

6) The company was very hand on new technology. Improve efficiency效率. Appendix 3 show it buy a car ,and 99.9%of supermarket deliveries are achieved on target.This can show it is a effective business .

Disadvantages

1) RWD external外部environment is highly competitive, and is also easy to receive the external environment affect.

2) The market is a statiac静态market ,The business is difficult in this market, and if it want to increase market share only by into a new markets.

3) The company's products are milk and cream. But competitor ARLA has other

products. That is higher risk. Risk can not be spread to other markets. For example: If the milk would affect their sales drop so much, there is no other product to make up.

4) How to maintain the milk is a healthy food. Many people think that milk has too many fats. In the long term, it must try to improve the customer's impression印象of the milk.

6会计题.

1.Profit and loss is a period of time the financial records of the operating results reflect this time of the sales revenue, cost of sales, operating expenses and tax status. Profit and loss layout includes turnover and profit before tax etc.

Balance sheet reflects the company's financial position in a certain date. Balance sheet include fixed assets and Net assets

Users of financial statements are divided into internal and external. Internal include manager and shareholder. Manager use the financial statements to do performance assessment. Shareholders use the financial statements to know the return on investment. External include customer, tax authority and bank. Consumers need to know the company's stability and investment. Tax authority need to use the statements to view the company operation is legitimate. Bank use the statements to estimate the amount of loans to company

RWD Comp any 2000 to 2004 year’s turnover increase percentage is 66%. It is successful. According to the case, the liquid milk mark in the UK is dominated by three companies, Arla Foods, Wiseman’s and Dairy Crest which together have about 70% of sales. RWD Company increased sales to increase its market share, market stability in the region for further expansion in Scotland.

Profit before tax increase percentage is 62%. Pass the profit before tax, we can find RWD is a high-profit company. The company profits growth is stable. There has more beneficial to RWD company.

Fixed assets increase percentage is 36%. RWD Company increase in fixed assets that operate in good condition. Companies in the equipment has increased investment in hardware

Net asset increase percentage is 56%. RWD company's total assets increased that the company's operating condition. Increased investment in the company to increase the strength of the company

Reserves increase percentage is 65%. That the company reserves increased profits in good condition and the latter part of the investment is strong

7.（a）影响牛奶的主要因素

It has four main factors which may affect the demand for milk. First is price. Decrease the price must injure the supplier’s benefit.. For example, in December 2004, however, RWD announced that it was cutting the price it paid for milk by 0.5p a litre to 19.16p a litre, a change which would save the company £5.5m. Second is a consumer preference. Today life is getting better and better. So most of customers choose low-fat and healthy milk. For example, in 2001, it introduced ‘Fresh ‘N’ Creamy’ brand. Its low fat brand, ‘One’ was developed after the company’s market research showed that consumers were enthusiastic about low fat milk but that the taste of milk was also of great importance.

The third one is age.,the old people and chlidren may be often drik milks,and they may be drink more then other people. The workers and students may be not often drink milk.

Last one is income of customers. For example, if someone’s income low, he wil l buy ordinary milk; if someone’s income high, he will buy tastes better and good quality milk.

其他那些竞争者的产品和RWD是替代品的关系,消费者买了RWD的产品,就不会买对手的产品了

(b)Customers affected by the price, it will affect the supplier. At the same time will affect the relationship between suppliers. In another words, the relationship will be made more and more bad. “first milk” is keep in touch with suppliers and supplier to maintain the supply of products.The ways are:

1.案例第十页第三段。

2., 价格,替代品,互补品和消费者的口味偏好等因素, 对市场活动的影响,

（C）1.they should pay attention on the price. The price is a very important factor.choose the high price of purchase milk supermarket.

2.The supertmarket quality is also very important.The products in supermarket must has high quality,in another world ,the cusromers must like and believe the supermarket.

3.The supermarket brand. The supermarket brand is very important. When the supermarket has good reputation,customers will buy the products ,so the products sales will be good.

4.the relationship between supermarket.chose the good or close relationship supermarket. This is also easy to negotiate.and the price is good for each other.

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1.0 Planning―Action Plan 1.1 Introduction I'm working in Cadogan Bank plc which provide investment service.I will provide Alexander Flynn,his wife Janet Flynn and three children some personal financial products.As an Investment Services Manager,the main responsibility is to help people providing personal financial products.In whole of this financial service, my expectation is follow up the customer needs,at the same time help customer to achieve maximum profits.In England is including two kinds of Investment Services Manager which are Tied Adviser and Independent Financial Adviser.A Tied Adviser is only provide some products which is from their own bank.Independent Financial Advisers can provide products from the whole of the UK market. In England Alexand er’s family is a middle class.In England,the middle class annual income is ￡350.000.Therefore they are too busy to have no time to management of their property.At the same time they are also well-to-do.Therefore they can not worry about some product is too expensive to afford.So I can provide the best suitable provider.Cadogan Bank is a commercial bank,moreover is one of the institution by Financial Service Authority (FSA) regulation.In UK,FSA only supervise nineteen bank.If the bank's business is bad or default,FSA can undertake compensation.These are fully demonstrates that Cadogan Bank is reliable.A commercial bank provides savings,money market accounts,mortgage and so on.Because of this cause,I can help client to find some investment and financial product.In England,there have five kinds of provider.I will use three of these provider in whole of this report. The client needs saving,borrowing and personal insurance.Due to customer needs has variance,the provision of products are possible to satisfied customer.This is why we should find other provider in UK to satisfied customer needs.

2021年银行从业资格考试个人理财试题及答案完整版

银行从业资格考试《个人理财》试题及答案 单项选取题： 1、如下国内机构中无法提供理财服务是_________。 A、基金公司 B、保险公司 C、信托公司 D、律师事务所 D 2、与商业银行相比，如下选项中属于信托公司在个人理财服务中处在优势地位是 _________。 A、具备明显私募性质信托产品通过银行代销也许性逐渐缩小。 B、信托公司原则上可以投资基本设施、房地产项目、股票、票据等各种实业和金融资产。 C、信托公司在发行集合资金信托筹划时，不能向客户作出保证本金安全以及保证预期收益承诺。 D、信托公司影响力有限，国内居民对信托产品知之甚少。 B 3、“中银理财”品牌价值重要体当前_________。 A、“以客户为中心经营思路和智慧创造财富经营理念”两个方面 B、“高贵品牌，全球网络，专业资讯，宾客服务”四个方面 C、“百年品牌，全球网络，专业智慧，尊贵服务”四个方面 D、以上都不对的 C 4、“中银理财”经营层级分为_________。 A、理财中心、大户室 B、理财中心、大户室、理财专柜 C、理财中心、理财工作室、理财专柜 D、理财中心、理财工作室 C 5、如下哪一选项不属于个人理财规划内容? A、教诲投资规划 B、健康规划 C、退休规划 D、居住规划 B 6、咱们将风险分为人身风险、财产风险和责任风险，是依照_________不同进行区别。 A、承保对象 B、风险损失因素 C、风险损害对象 D、风险损失成果 C 7、人毕生很也许会晤对某些不期而至风险，咱们称之为_________。 A、投机风险 B、纯粹风险 C、偶尔风险 D、意外风险 B 8、原则个人理财规划流程涉及如下几种环节：I、收集客户资料及个人理财目的 II、综合理财筹划方略整合 III、客户关系建立 IV、分析客户现行财务状况 V、提出理财筹划 VI、执行和监控理财筹划。对的顺序应为_________。 A、I，III，VI，V，IV，II B、III，I，IV，V，VI，II C、III，V，II，I，VI，IV D、III，I，IV，II，V，VI D 9、属于反映个人/家庭在某一时点上财务状况报表是_________。 A、资产负债表 B、损益表 C、钞票流量表 D、利润分派表 A

HND大综合GU答案

H N D大综合G U答案 文件排版存档编号：[UYTR-OUPT28-KBNTL98-UYNN208]

S e c t i o n 1 Question 1: Part A Given the competitive nature of the mobile telecommunications market analyse the likely advantages and disadvantages to Opal of establishing a partnership agreement with another Advantages: Firstly, the partnership agreements can provide Opal with technology assistance. It allows Opal for the joint development of new products and the sharing of technology. Secondly, a Chinese partnership not only gives Opal access to local knowledge but also provides an air of acceptability that is important when conducting business in China. Thirdly, local firms’ well-reputation and wealth of experience will also help Opal to ensure that product development and customer service is specifically targeted at meeting the local needs and demands of the local market. Fourthly, companies in partnership can share the costs and reduce the risk. Disadvantages:

最新版-个人理财考试题及详细答案

一、名词解释 1、个人理财--------是指专业理财人员根据个人（或家庭）所确定的阶段性的生活与投资目标，按照个人（或家庭）的生活、财务状况，围绕个人（或家庭）的收入和消费水平、预期目标、风险承受能力、心里偏好等情况，形成一套以个人（或家庭）的资产效益最大化为原则的，人生不同阶段个人财务安排，并在财务安排过程中提供有针对性的、综合化的、差异性的理财产品和理财服务的过程。 2、个人保险理财------就是针对人生中各个阶段所面临的风险，定量分析财务报章需求额度，并利用保险方式作出适当的财务安排，以避免风险发生时给生活带来的冲击，从而拥有高品质生活的一种财务筹划活动。 3、个人证券理财-------指个人投资者买卖股票、债券、基金等证券类理财产品，以实现个人货币资产保值和增值的行为。 4、资产分配策略-------是指财务策划师根据客户的目标和风险偏好，确定客户总资产在各类投资产品之间的合理分配比例。 5、退休养老保险------是指劳动者在达到法定退休年龄退休后，从政府和社会得到一定的经济补偿、物资帮助和服务的一项社会保险制度。 6、基本养老保险--------亦称国家基本养老保险，它是国家为保障广大离退休人员基本生活需要统一政策规定并强制实施的一种养老保险制度。 7、外汇结构性存款-----是指在普通外汇存款的基础上嵌入某种金融衍生工具，通过与利率、汇率、指数等的波动挂钩或与某实体的信用情况挂钩，从而使存款人在一定风险的基础上获得较高收益的外汇储蓄存款产品。 8、个人银行理财产品------是商业银行以个人（自然人）为服务对象、提供一种或多种金融服务过程的结果，是个人银行理财活动的具体实现形式。 9. 客户市场划分-------是指按照客户的需求或特征将客户市场分成若干个次市场，并针对不同的次市场设计个性化销售组合的过程。 10.年金保险------是指保险人在约定的期限内或在指定人的生存期内，按照一定的周期给付年金领取者一定数额保险金的一种传统人寿保险产品。 11. 艺术品投资-----是通过艺术品的交易买卖使资本得以增值的一种投资行为。 12. 税收策划------是指在纳税行为发生前，在不违反法律、法规的前提下，通过对纳税主体的经营活动或投资行为等涉税事项做出事先安排，以达到少纳税和递延交纳目标的一系列谋划活动。13.个人外汇理财规划------是指外汇理财投资者在专业理财策划人员的建议下，在明确个人外汇理财目标、分析自身外汇资金状况和风险承受能力的前提下，制定切实可行的方案，以实现个人外汇资最大产收益化。 14.个人证券理财规划-------是指个人投资者依据自身的投资收益预期目标及风险承受能力，在对证券市场走势和证券理财产品未来的风险、收益进行分析判断的基础上，而对证券投资过程的主要环节进行筹划的行为。 15.个人保险理财产品-------是指适合以个人或家庭作为投保人或被保险人并且能够满足其保险保障和投资需求的保险产品（险种）。 16.年金保险------是指保险人在约定的期限内或在指定人的生存期限内，按照一定的周期给付年金领取者一定数额保险金的一种传统人寿保险产品。 17.个人外汇理财-----是指个人外汇资产通过银行专业的理财服务实现保值增值的过程。 18.个人信托-----是指委托人（指自然人）基于财产规划的目的，将其财产权移转予受托人（一般为金融信托公司），使受托人依信托契约的本旨为受益人的利益或特定目的，管理或处分信托财产的行为。 19.个人教育投资策划---是指为支付教育费用所定的计划。包括个人教育投资策划和子女教育投资策划两种。 二、填空题 1、个人理财的核心是根据理财者的（资产状况）与（风险偏好）来实现需求与目标。 2、个人理财追求的目标是使客户在整个人生过程中（合理分配财富），达到（人生的效用最大化）。 3、个人银行理财产品具有（收益稳定，风险较小）、（同质性）、（综合性与多样性）等方面的特点。 4、目前我国保险市场常见的个人保险理财产品主要有（分红保险）、（投资连接保险）、（万能寿险）、（投资兴家庭财产保险）等。 5、当前，我国的个人外汇理财手段主要有：（银行个人外汇理财产品）、（个人外汇交易）、（B 股）、（外汇信托产品）等。 6、个人外汇期权分为（买方期权）和（卖方期权），其代表产品是（两得宝）和（期权宝）。 7、个人信托产品主要包括四种，即（财产处理信托产品）、（财产监护信托产品）、（人寿保险信托产品）和（特定赠与信托产品）。 8、世界各国的养老保险模式主要有三种类型：（投保资助型（传统型）养老保险）、（强制储蓄型（公积金型）养老保险）、（国家统筹型（福利型）养老保险）。

个人理财参考答案概述

个人理财形考任务1-0001 试卷总分：100 判断题(共10题,共30分) 开始说明： 结束说明： 1.(3分) 稳健型理财模式适合经济实力强、收入丰厚、闲置资金充裕、抗风险能力较强的家庭。 √ × 2.(3分) 净现金流量若等于0，表示个人日常有一定的积累。 √ × 3.(3分) 资产－负债＝净资产 √ × 4.(3分) 在现值和利率一定的情况下，计息期数越少，则复利终值越大。

√ × 5.(3分) 个人理财起源于20世纪30年代的美国。 √ × 6.(3分) 理财和投资的关系是：投资包括理财，理财是投资的一个组成部分。 √ × 7.(3分) 资产负债表和现金流量表之间没有关系。 √ × 8.(3分) 如果家庭开支稳定，意外大项支出较少，也可以少留现金。 √ × 9.(3分) 个人理财的风险承担能力较弱，在进行风险、收益权衡时，安全性一般放在收益性前面考虑。

√ × 10.(3分) 现代意义的个人理财其实就是单纯的储蓄、消费或者投资。 √ × 单选题(共20题,共40分) 开始说明： 结束说明： 11.(2分) 下列（）不属于现金等价物。 A、活期储蓄 B、货币市场基金 C、各类银行存款 D、股票 12.(2分) 以下不属于个人理财规划内容的是（）。 A、保险规划 B、健康规划 C、退休规划 D、储蓄规划 13.(2分)

影响理财计划的因素有经济因素、社会变化因素和（）。 A、环境因素 B、地域因素 C、个人因素 D、其他因素 14.(2分) 现金流量表的评价指标主要是（）。 A、收入 B、支出 C、净现金流量 D、收支比率 15.(2分) 属于反映个人或家庭在某一时点上的财务状况的报表是（）。 A、资产负债表 B、损益表 C、现金流量表 D、利润分配表 16.(2分) 个人理财的第一步是（）。 A、明确个人现在的财务状况 B、了解个人的投资风险偏好

HND大综合1答案

1.有关的知识: product line; product items; product positioning; product life cycle; 可能的优势：coherent连贯grouping of products within one market (drinks)---can help to gain economies of scale in promotion and operations, build managerial expertise etc; Targeted at a number of different markets(eg orangina, Tizer); range of different product lines and items—some have a very clear identity (eg Irn-Bru) 缺点：many are at the mature stage of the product life cycle; soft drinks is a rapidly changing market and new brands may be important (Barr’s may be finding it hard to develop new brands—its own brands are well-established and its franchises are in a static market(Orangina), or not well-know in the UK(Lipton Ice Tea). Part(b) 有关的知识：Price elasticity of demand; promotional methods; product life cycle; market research. Price elasticity may influence Barr’s in that it can lead to attempts to enhance brand loyalty so that price elasticity is reduced which, in turn, curtail the impact on sales of a change in price. There are many examples in the case study of attempts to develop brand loyalty, eg Irn-Bru, Tizer 2. Relevant concepts: systems approach; stakeholders; government economic policy; users of financial information. Answers should use examples to show how Barr’s has reacted to feedback from its environment and how it has tried to influence it. Answers should analyse the process by which Barr’s interacts in each case. Possible example include: use of government. Assistance when entering the Russian market(and discussion of market failure); threats to or angina franchise; changing promotional methods to make use of the internet; currency fluctuations and the knock-on effects; ASA and possible public reaction to Barr’s . Answers which consist of a series of examples with no analysis should get a maximum of seven marks. 3. （a）Relevant concepts: stakeholder; purpose of financial information; management control; organizational goals; objectives and policy; demand. Fidelity buys shares so that the dividends from them can be distributed to holders of its units. The information which it needs will depend on its organizational goals, eg: the degree of risk it is willing to take. These are not given so it is not easy to say which information will be valuable. Howeven, it may include: franchise agreements (eg when they start and end as this may influence Barr’s earnings); ASA adjudications which may affect the demand for Barr’s products; investments in new machinery(influence extent to which Barr’s is competitive); promotional campaigns(influence demand for product); dividends(because this will influence earning that it gets and how much it can pay its unit holders). Provide a reasoned argument which explains the link between the information and its value to Fidelity. （b）Relevant concepts: Stakeholder; strategies of control; organizational goals, objectives and policy; formal organization; users of financial information; purposes of information ; sources of relevant information. Answers should make it clear which item of information has been chosen, eg profit after tax. For fidelity, this could be used to monitor whether it has invested in terms of its objectives(eg these may relate to companies which have stable earnings), whether it has a suitable share profile across several companies; whether previous share purchasing decisions should be reviewed. Barr’s could use it to monitor the year on year progress of the company, to monitor the effectiveness of its profit sharing scheme. A reasoned argument which explains the link between the item information and control in the two companies. 4.Relevant concepts: market demand; internal and external environment; goals; purpose and analysis of financial statements; sources of finance; product mix marketing mix; product life cycle;

卓顶精文2019《个人理财》试题及答案.(精华版)

《个人理财》试题及答案 （总计：判断76/单选145/多选57） 一、判断题（正确的打“√”，错误的打“X”） 1、个人理财主要考虑的是资产的增值，因此，个人理财就是如何进行投资。（） X 2、按照银监会对个人理财业务的定义，商业银行为销售储蓄存款产品、信贷产品等进行的产品介绍和宣传不属于理财顾问服务。（） √ 3、中银理财贵宾卡为带有“中银理财”标识的借记卡，与普通借记卡具有相同的服务功能。（） X 4、中银理财营销渠道的主体是统一标识的物理网点。（） √ 5、中国银行理财团队中的成员包括理财客户经理、理财产品经理、柜员和引领 员。（） √ 6、理财规划是技术含量很高的行业，服务态度并不会直接影响理财服务水平。（）X 7、对个别VIP客户，理财中心工作人员可接受客户委托，替其保管存折、存单、密码、钥匙、有价证券、协议书、印章等文件和物品。（） X 8、理财客户经理负责维护和管理客户关系，与客户之间实行单线联系。（） X 9、税收最小化通常是遗产规划的一个重要动机，也是遗产规划的惟一目标。 （） X 10、将终值转换为现值的过程被称为“折现”。（） √ 11、复利的计算是将上期末的本利和作为下一期的本金，在计算时每一期本金的数额是相同的。（） X 12、美元对日元升值10%，则日元对美元贬值10%。（） X 13、商业银行在外汇市场中的经营活动包括代客买卖和自营业务。（） √ 14、央行不但是外汇市场的参与者，而且是外汇市场的操纵者。（） √ 15、期权费是指期权的执行价格。（） X 16、一国的国际收支处于顺差状态，本币供大于求，将贬值；国际收支处于逆差状态，则本币求大于供，将升值。 ( ) X 17、标准普尔500指数对美元汇率的影响最大。 ( ) X 18、上海黄金交易所是国内的一级黄金市场。 ( ) √ 19、黄金具有价值稳定、流动性高的优点，是对付通货膨胀的有效手段。 ( ) √ 20、个人实盘黄金买卖的投资者在需要时可以向银行申请办理黄金的实物交割。( ) X

HND金融大综合

HND金融大综合 2.1 The demands of these consumer can divide into savings, mortgage needs and protection needs. 2.11 The demands of savings. The cost of daily life, the cost of three children, the crowd of high income, The surplus income need to save. 2.12 The demands of protection needs. Flynn has an outstanding mortgage of ￡450,000, and this couple has recently decided to build an extension to their home at a cost of ￡300,000. The demands of protection needs. 2.13 The adults is more old than yesterday, and the state of health of them we all do not know. They all need some help to get guarantee to ensure their cause. The children of Janet need a good environment to grow. And their family should protect their property. 2.2~2.3 ◆ The cost of daily life. Every family all need this for spending. If there is not a particular plan, this family will be faced with many problem. So the current account is the best choose. ◆ The education cost of Flynn’s three children. All parents want to their children have a perfect childhood to the benefit of their future. So have a whole educat ion is necessary. So a good family affirm draw up a plan for their child ab ovo. We need to choose educational endowment. ◆ Janet work as Alexander’s personal assistant. As his assistant she is paid a salary of ￡550,000 per annum. So he is belong to the human of high income. They also need to rate payment very much. But we can take steps of avoid the tax, and find the product of tax exemption. So the fixed interest savings certificates is best fit for us. ◆Like the high income crowd. Then have a large of money can not use. So the last money we will save it. The best way is save it in fixed deposit. Fixed deposit is our good choice. ◆ Flynn has an outstanding mortgage of ￡450,000 on the property. And the loan of he has loss occurrence. So the best way perhaps change it to capital and interest mortgage. Because it can reduce the lose. ◆ Flynn has recently decided to build an extension to their home at a cost of ￡300.000. But he does not have mortgage to get loan. So he only to get it by himself. ◆ When the adults grow older. Everyone all want have a guarantee for themselves. Even if has an accident in the future. But can not get so much attack. So they need to buy the insurance of term insurance. ◆ Ditto. When the adults grow older. The health of themselves is more and more to hard to know. And their body can not get some serious attack. So they are better to buy the insurance of accident insurance. ◆ No matter what man or women. They have the cause of themselves. So they also need to buy the insurance of enterprise insurance. ◆ The three children of Janet. They are young. So they need a guarantee for their growth life. Prevent happen something we don not want. The accident insurance is very good. Because the children are very naughty. ◆ Every family has their own economy. And must protect their income to hold the cost of everything. I think the property insurance is the obbligato for every family. 2.4 ☆Alliance Leicester plc Alliance Leicester plc(LSE:AL) is a British bank, formerly a building society. It was formed in 1997 by the flotation of the former Alliance Leicester Building Society on the London Stock Exchange. It is listed on the FTSE 100. its headquarters are in Carlton Park, a business park in Nar borough, south of Leicester in England. ☆HSBC Headquartered in London, HSBC is one of the largest banking and financial services organizations’ in the world. HSBC's international network comprises around 7,500 offices in 87 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa. ☆Banco Santander Santander holds a unique position in international banking, with a solid base of recurrent retail commercial banking and a high degree of geographical diversification, which guarantees its future. Continental Europe, where the main commercial units are the Santander and Banesto Networks in Spain, Santander Totta in Portugal and Santander Consumer Finance, which has consumer finance operations in 19 countries. ☆ Lloyds TSB Black Horse is