北理工珠海学院《理财策划书模版》.doc

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1、理财投资策划学院：班级：学号：姓名：目录第一部分理财目标·····················································31.1个人财务管理························································31.1.1应急金准备····················································31.1.2基金定投······················································31.2个人创业金准备········

2、···············································3第二部分个人基本情况···············································42.1个人情况总结·······················································42.2个人资产负债表·····················································4第三部分个人财务状况···············································5

3、3.1个人收支情况······················································53.2个人财务健康指标检查··············································5第四部分风险偏好测试分析··········································6第五部分理财投资的具体计划·······································85.1投资工具的选择与依据···············································8

4、5.2投资分配比例························································85.3确定可行性···························································95.4调整··································································9第六部分结语···························································9第一部分理财目标1.1个人财务管理1.1.

5、1应急金准备1.1.2基金定投1.2个人创业基金的准备Ⅰ·生活资金储存Ⅱ·课余兼职Ⅲ·基金定投Ⅳ·避免意外支出资金Ⅴ·Ⅵ·Ⅶ·第二部分个人基本情况2.1个人情况总结2.2个人资产负债表个人资产负债表姓名：徐嘉隆日期：2012年05月—2012年06月单位：元资产5000负债300流动性现金1500短期负债300活期存款0饮食支出600定期存款0医药费用0货币市场基金0日用品支持100短期借款100水电费手机卡支出200流动资产合计1500旅游娱乐等支出300投资0汽车和其他支出100股票0其他消费支出100债券0其他短期负债100储蓄产品3000短期负债合计100基金0长期负债0

6、房地产0房地产投资贷款0其他0汽车贷款0投资合计0教育贷款0长期贷款合计0总资产合计5000总负债合计300净资产＝资产合计－负债合计第三部分个人财务状况3.1个人收支情况（以月为单位）个人现金流量表时间：2012年05月单位：元流出金额流入金额饮食开销500生活费2000水电费200勤工助学0网费50兼职实践0手机充值100生活用品100零食饮料100休闲用品100文化娱乐100应酬100交通费用50衣服鞋子0意外花销150其他50总计支出1600总计收入2000现金流量=总收入-总支出=4003.2个人财务健康指标检查具体见个人资产负债表格：·所有者权益=总资产—总负债=18

7、00·偿付比率=流动比率=净资产/总资产=0.64（理论上，偿付比例的变化范围在0至1之间，一般个人的该项数值应该高于0.5为宜.）·流动性比率=流动资产/流动负债=6.6·储蓄比率=存蓄/总资产=0.05·总资产增长率=本年总资产增长额/年初资产总额=0.06根据个人资产负债表计算得出以上数据。个人偿债能力较强，说明破产的风险较低；流动性比例高，说明资金周转比较灵活；储蓄率高，但资金闲置量大；总资产增长利率较小，主要是靠平时储蓄而得，应该考虑扩大投资。总结：财务状况还是比较健康