【正文】 ，不符合執(zhí)業(yè)紀(jì)律規(guī)范的是（）。A．理財規(guī)劃過程中不帶感情色彩B．理財規(guī)劃師以自己的專業(yè)知識進(jìn)行判斷C．因為是朋友，所以在財產(chǎn)分配規(guī)劃方案中對其偏袒D．對于執(zhí)業(yè)過程中發(fā)生的或可能發(fā)生的利益沖突應(yīng)隨時向有關(guān)各方進(jìn)行披露 答案：C【解析】理財規(guī)劃師在向客戶提供專業(yè)服務(wù)時，應(yīng)秉承客觀公正的原則。A．執(zhí)業(yè)紀(jì)律規(guī)范是具體的行為規(guī)則B．職業(yè)道德準(zhǔn)則是理財規(guī)劃師執(zhí)業(yè)紀(jì)律的基本淵源C．理財規(guī)劃師執(zhí)業(yè)紀(jì)律規(guī)范很大程度上體現(xiàn)出的是倡議性D．理財規(guī)劃師的職業(yè)道德規(guī)范由職業(yè)道德準(zhǔn)則和執(zhí)業(yè)紀(jì)律規(guī)范兩部分組成 答案：C【解析】職業(yè)道德準(zhǔn)則很大程度上體現(xiàn)出的是倡議性，而執(zhí)業(yè)紀(jì)律規(guī)范在語言上不同于職業(yè)道德準(zhǔn)則，很多方面體現(xiàn)的是“積極要求”或“禁止性”的內(nèi)容，而非倡議性?！霸鹿庾濉眮碚f，最需要進(jìn)行的是（）。（）基金。A．青年家庭B．中年家庭c．老年家庭D．壯年家庭 答案：A【解析】根據(jù)家庭收入主導(dǎo)者的生命周期而定，家庭收入主導(dǎo)者的生理年齡在35周歲以下的家庭為青年家庭；家庭收入主導(dǎo)者的生理年齡在55周歲以上的家庭為老年家庭； 介于這兩個界限之間的為中年家庭。答案：C21．持續(xù)理財服務(wù)不包括（）。A．增加收入B．儲蓄和投資C．財產(chǎn)傳承D．風(fēng)險保障 答案：C【解析】家庭與事業(yè)形成期的需求分析包括：①購買房屋；②子女出生和養(yǎng)育；③建立應(yīng)急基金；④增加收入；⑤風(fēng)險保障；⑥儲蓄和投資；⑦建立退休資金。18．（）是整個理財規(guī)劃的基礎(chǔ)。因此，做好現(xiàn)金規(guī)劃是理財規(guī)劃的必備基礎(chǔ)。15．財務(wù)自由是指個人或家庭的收入主要來源于（）。[2007年1 1月三級真題] A．風(fēng)險管理與保險計劃B．稅收籌劃C．退休養(yǎng)老規(guī)劃D．財產(chǎn)分配與傳承規(guī)劃 答案：A【解析】在所有理財工具中，保險的防御性最強，因此，保險是財務(wù)安全規(guī)劃的主要工具之一。[2008年5月三級真題] A．月光型B．進(jìn)攻型C．攻守兼?zhèn)湫虳．防守型 答案：B 【解析】不同的家庭形態(tài)，財務(wù)收支狀況、風(fēng)險承受能力各不相同，理財需求和具體理財規(guī)劃內(nèi)容也不盡相同。財務(wù)自由主要體現(xiàn)在投資收入可以完全覆蓋個人或家庭發(fā)生的各項支出，個人從被迫工作的 壓力中解放出來，已有財富成為創(chuàng)造更多財富的工具。、意外事件準(zhǔn)備了50000元資金存入銀行，則李先生準(zhǔn)備的這50000元屬于（）。[2008年11月二級真題]A．嬰兒、童年、少年B．童年、少年、青年C．少年、青年、中年D．青年、中年、老年 答案：d【解析】個人理財規(guī)劃基于人的生命周期，是一個長期的過程，一個努力達(dá)到終生（身）的財務(wù)安全、自主、自由和自在的過程，由于嬰兒期、童年期、少年期沒有獨立的經(jīng)濟(jì)來源，通常也不必承擔(dān)經(jīng)濟(jì)責(zé)任，因此這三個時期并不是理財規(guī)劃的重要時期。5．在家庭綜合理財規(guī)劃方案中，專項理財規(guī)劃中的建立家庭現(xiàn)金儲備不包括（）。4．理財規(guī)劃師職業(yè)操守的核心原則是（）。C【解析】投資規(guī)劃是根據(jù)客戶投資理財目標(biāo)和風(fēng)險承受能力，為客戶制定合理的資產(chǎn)配置方案，構(gòu)建投資組合來幫助客戶實現(xiàn)理財目標(biāo)的過程。第三篇：理財規(guī)劃師1總論練習(xí)題(帶答案解析)基礎(chǔ)知識第一章。 There seems /doesn39。 祈使句的反意疑問句有：1）表示建議以Let39。Inweald學(xué)英語 在have do the serviceman的補足語，和 serviceman構(gòu)成了邏輯上的主語和謂語的關(guān)系，表示”叫某人做某事“。t seem doesn39。t 138．We have no interest in the actress39。t trust though so your call39。Inweald學(xué)英語 將句子還原成主動語態(tài)We should make use of time to learn our lessons ，就不難看出” To learn……“ 作目的狀語?！? 強調(diào)句，被強調(diào)部分是” how many elements“。s arrived there at last, ____.Inweald學(xué)英語 tired and hungry tired and and hungry and hungrily was the party 39。s just lazy.Inweald學(xué)英語 spite the case the course case image of a devoted and noble angel in white _____ heals the wounded and rescuesthe dying is making a eback _____ the nation faces a …because …when …that …as how many elements _____ make up most of the substances we meet in everyday life is which it is it that is that government was believed to be considering _____ a law _____ it a crime to importany kind of pass ….to making be passing ….to … made …. 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