理财规划案例分析.doc

作品简介 本规划书是针对中等收入家庭而定制的，围绕当前经济状况与客户李才先生目前的实际情况而展开详尽的分析与探讨。在第二部分，我们编制了该客户的家庭资产负债表、现金流量表等财务报表，以便帮助本团队进行合理的分析：（1）在综合财务诊断过程中，发现该客户资产的配置方式存在漏洞、投资产品的集中度过高、净现金现金流的收益效用没有得到最大化；（2）在风险评定过程中，评定该客户的风险属性中等，属于稳健型投资者。进而，对于客户预期想达到的目标是否可达，本团队还编制了家庭生涯仿真表并进行了静、动态拟定方案，结果初步判定预期理财目标可达。在第二部分的第八个项目，是本规划书的重点。主要是以客户李才先生的预期目标为理财规划重心，合理协调各种生活资源，提高生活质量。在规划书的最后一部分，本团队用时效性的数据规划出了一个“实施理财规划后”的反馈，以便让客户认同本团队的理财方案。 第一部分 规划前的沟通：取得客户的相关资料···································4 一、家庭成员的背景························································4 二、家庭收支情况（收入均为税前）············································4 三、家庭资产负债情况·····················································4 四、理财目标（短期目标为现值，长期目标为终值）······························5 第二部分 理财规划报告的内容·················································6 一、理财寄语及声明························································6 二、摘要·································································7 三、基本情况介绍··························································8 1、家庭基本情况概述如下表·············································8 2、理财目标···························································9 四、宏观经济与基本假设····················································9 五、家庭财务报表编制和家庭综合财务分析···································11 1、家庭税后收入的具体计算············································11 2、家庭现金流量表····················································11 3、家庭资产负债表分析················································12 4、家庭生命周期性分析················································12 5、家庭应急准备金分析················································13 6、家庭实物资产分析··················································13 7、家庭财务指标分析··················································14 8、家庭财务比率分析··················································16 9、家庭风险属性属性分析··············································17 六、拟定可达成理财目标或解决问题的方案···································18 1、静态分析方案······················································18 2、动态分析方案······················································19 七、理财目标规划································