本丛书内容全面，资料新颖，理论联系实际，语言通俗，习题典型，可供广大银行业从业人员参考，是广大应考者顺利通过考试的必备书籍。　　具体来说，本丛书具有以下四大特点。　　（一）　　本系列书严格依据*新的考试大纲编写，在总结历年真题的基础上，精确预测常考、易考的知识点，确保不会有所遗漏。　　（二）配套性　　在写作的过程中，注重知识点的讲解和习题的搭配，每一个知识点都配有相应考题，让考生学练结合，方便对知识的巩固。　　（三）图解性　　本丛书在写作过程中尽量用图、表的形式将大量、复杂的文字信息进行展示，分清各个知识点的层次脉络，便于考生记忆。（四）规范性　　众所周知，历年真题是*好的练习题，本丛书在例题的选取上，以历年真题为主，让考生充分了解考试的重点、难点，有的放矢，提高命中率。同时，每章课后还配备了高保真模拟题，让考生提高实战能力和应变能力。 第1章 个人理财概述第1节 个人理财相关定义 ·····················1考点1 个人理财相关定义 ···················1考点2 个人理财业务相关主体 ···········2考点3 银行个人理财业务分类 ···········3第2节 个人理财业务的发展及原因 ·······5考点1 个人理财业务的发展 ···············5考点2 国内个人理财业务迅速发展的原因 ······················5第3节 理财师的执业资格和要求 ··········7考点1 理财师队伍状况 ·······················7考点2 理财师的职业特征 ·················10考点3 理财师的执业资格 ·················11本章考点自测 ·······································17第2章 个人理财业务相关法律法规第1节 理财师的法律法规基础知识 ·····22考点1 法律知识的重要性 ·················22考点2 中国的法律体系 ·····················22考点3 民事法律关系介绍 ·················23考点4 合同法律关系 ·························26第2节 理财规划中的法律法规 ············29考点1 物权法 ·····································29考点2 婚姻法 ·····································33考点3 个人独资企业法和合伙企业法 ···34目 录VIII 个人理财讲义·真题·预测全攻略第3节 理财产品及销售相关法律法规 ······· 37考点1 商业银行理财产品涉及的重要法律法规 ·············37考点2 基金代销业务涉及的法律法规 ···41考点3 保险代理业务涉及的相关法律法规 ····················45考点4 银信理财业务涉及的法律法规 ···47考点5 黄金期货交易业务涉及的法律法规 ····················48考点6 个人外汇管理涉及的法律法规 ···49本章考点自测 ······································· 53第3章 理财投资市场概述第1节 金融市场概述 ·························· 65考点1 金融市场的概念 ·····················65考点2 金融市场的特点 ·····················66考点3 金融市场的构成要素 ·············66考点4 金融市场功能 ·························70第2节 金融市场分类 ·························· 71考点1 有形市场和无形市场 ·············71考点2 发行市场和流通市场 ·············71考点3 货币市场和资本市场 ·············72考点4 直接融资市场和间接融资市场 ···73第3节 理财投资市场介绍 ··················· 75考点1 货币市场介绍 ·························75考点2 债券市场介绍 ·························77考点3 股票市场介绍 ·························80考点4 金融衍生品市场介绍 ·············83考点5 外汇市场介绍 ·························86考点6 保险市场介绍 ·························88考点7 贵金属市场及其他投资市场介绍 ························92本章考点自测 ······································· 96第4章 理财产品概述第1节 银行理财产品 ························ 107考点1 银行理财产品概述 ···············107考点2 银行理财产品分类及特点 ···108目 录IX考点3 银行理财产品风险及法律约束 ··························· 111第2节 银行代理理财产品 ················· 112考点1 银行代理理财产品概述 ······· 112考点2 基金 ······································· 113考点3 保险 ······································· 117考点4 国债 ······································· 118考点5 信托产品 ·······························121考点6 贵金属 ···································123考点7 券商资产管理计划 ···············125第3节 其他理财产品 ························ 126考点1 股票 ·······································126考点2 中小企业私募债 ···················128考点3 基金子公司产品 ···················130考点4 合伙制私募基金 ···················133本章考点自测 ····································· 140第5章 客户分类与需求分析第1节 了解客户需求的重要性 ·········· 150考点1 企业经营理念发展的趋势 ···150考点2 理财师工作职责的要求 ·······150考点3 理财服务规范和质量的要求 ·····151第2节 了解客户的主要内