【DOC】-金融学专业外文翻译------个人理财规划参考模型-金融财政.doc

本科毕业论文外文翻译 外文题目： A Reference Model for Personal Financial Planning 出 处： HYPERLINK /content/r20713/ \o Link to the Book Series of this Chapter International Handbooks Information System 作 者： Oliver Braun, Günter 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, Günter Schmidt supported personal financial planning. The model also addresses interoperability assessments by the concept of platform-independent 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 2005) 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 f