金融學(xué)專業(yè)外文翻譯------個(gè)人理財(cái)規(guī)劃參考模型-金融財(cái)政(已修改)
2025-05-31 15:00 本頁(yè)面
【正文】 本科畢業(yè)論文外文翻譯 外文題目： A Reference Model for Personal Financial Planning 出 處： International Handbooks Information System 作 者： Oliver Braun, G252。nter Schmidt 原 文： We understand personal financial planning as the process of meeting life goals through the management of finances . Our reference model fulfils two kinds of purposes: first, the analysis model is a conceptual model that can serve financial planners as a decision support tool. Second, system developers can map the analysis model to the system architecture at the design stage of system development. Furthermore, the reference model serves as a capture of existing knowledge in the field of IT210 Oliver Braun, G252。nter Schmidt supported personal financial planning. The model also addresses interoperability assessments by the concept of platformindependent usage of personal financial planning tools. Personal Financial Planning The field of personal financial planning is well supplied with a lot of textbooks, Most books can be used as guides to handle personal financial problems .e. g. maximize wealth, achieve various financial goals, determine emergency savings, maximize retirement plan contributions,etc. There are also papers in journals ranging from the popular press to academic journals. We will start our discussion with some definitions related to the world of personal financial planning. Certified Financial Planner’s (CFP) Board of Standards defines (personal) financial planning as follows: Definition (CFP Board of Standards 2020) Financial planning is the process of meeting your life goals through the proper management of your finances. Life goals can include buying a home, saving for your child’s education or planning for retirement. Financial planning provides direction and meaning to your financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances. For example, buying a particular investment product might help you pay off your mortgage faster or it might delay your retirement significantly. By viewing each financial decision as part of a whole, you can consider its short and longterm effects on your life goals. You can also adapt more easily to life changes and feel more secure that your goals are on track. Definition (ISO/TC 222 2020) Personal financial planning is an interactive process designed to enable a consumer/ client to achieve their personal financial goals. In the same draft, Personal Financial Planner, consumer, client and financial goals are defined as follows: Definition (ISO/TC 222 2020) A Personal Financial Planner is an individual practitioner who provides financial planning services to clients and meets all petence, ethics and experience requirements contained in this standard. A consumer is an individual or a group of individuals, such as a family, who have shared financial interests. A client of a Personal Financial Planner is an individual who has accepted the terms of engagement by entering into a contract of services. A financial goal is a quantifiable oute aimed to be achieved at some future point in time or over a period of time. Definition (CFP Board of Standards 2020。 ISO/TC 222 2020) The personal financial planning process shall include, but is not limited to, six steps that can be repeated throughout the client and financial planner client can decide to end the process before having passed all the steps. The process involves gathering relevant financial information, setting life goals, examining your current financial status and ing up wi
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