个人理财规划参考模型【外文翻译】

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1、本科毕业论文外文翻译外文题目：AReferenceModelforPersonalFinancialPlanning出处：InternationalHandbooksInformationSystem作者：OliverBraun,GünterSchmidt原文：Weunderstandpersonalfinancialplanningastheprocessofmeetinglifegoalsthroughthemanagementoffinances.Ourreferencemodelfulfilstwokindsofpurposes:first,theanalysismodelisaco

2、nceptualmodelthatcanservefinancialplannersasadecisionsupporttool.Second,systemdeveloperscanmaptheanalysismodeltothesystemarchitectureatthedesignstageofsystemdevelopment.Furthermore,thereferencemodelservesasacaptureofexistingknowledgeinthefieldofIT210OliverBraun,GünterSchmidtsupportedpersonalfinanci

3、alplanning.Themodelalsoaddressesinteroperabilityassessmentsbytheconceptofplatform-independentusageofpersonalfinancialplanningtools.PersonalFinancialPlanningThefieldofpersonalfinancialplanningiswellsuppliedwithalotoftextbooks,Mostbookscanbeusedasguidestohandlepersonalfinancialproblems.e.g.maximizewe

4、alth,achievevariousfinancialgoals,determineemergencysavings,maximizeretirementplancontributions,etc.Therearealsopapersinjournalsrangingfromthepopularpresstoacademicjournals.Wewillstartourdiscussionwithsomedefinitionsrelatedtotheworldofpersonalfinancialplanning.CertifiedFinancialPlanner’s(CFP)Boardo

5、fStandardsdefines(personal)financialplanningasfollows:Definition(CFPBoardofStandards2005)Financialplanningistheprocessofmeetingyourlifegoalsthroughthepropermanagementofyourfinances.Lifegoalscanincludebuyingahome,savingforyourchild’seducationorplanningforretirement.Financialplanningprovidesdirection

6、andmeaningtoyourfinancialdecisions.Itallowsyoutounderstandhoweachfinancialdecisionyoumakeaffectsotherareasofyourfinances.Forexample,buyingaparticularinvestmentproductmighthelpyoupayoffyourmortgagefasteroritmightdelayyourretirementsignificantly.Byviewingeachfinancialdecisionaspartofawhole,youcancons

7、ideritsshortandlong-termeffectsonyourlifegoals.Youcanalsoadaptmoreeasilytolifechangesandfeelmoresecurethatyourgoalsareontrack.Definition(ISO/TC2222004)Personalfinancialplanningisaninteractiveprocessdesigned