客户理财方案设计

1、刖百尊敬的客户：您好！首先感谢您到本公司咨询并寻求财务策划建议。我们的职责是准确评估您的财务需求，并在此基础上为您提供高 质量的财务建议和长期的服务。本理财计划将在不影响您目前的生活 方式的前提下，帮助您积累财富、保障家庭财务状况，满足您的财务 需求。本理财计划是在您本人提供的目前资料和目标基础上制订的。请您仔细阅读本计划书，以确保这些资料准确无误。本理财计划的内容严格遵守了法律的相关规定， 理财计划的内容 需要随着您本人状况和其他因素的变化定期进行修改和完善。您如果有任何疑问，欢迎您随时联系本公司，我们期待与您共同 完善和执行本建议。助理理财师：00班级：00000班级 学号：0000000

2、00免责条款1本理财报告用来帮助您明确财务需求及目标，帮助您对理财事务进行更好的决策。本理财报告是在您提供的资料基础上， 并基于通常 可接受的假设、合理的估计，综合考虑您的资产负债状况、理财目标、 现金收支以及理财对策而制定的，推算出的结果可能与您的真实情况 存有一定的误差，您提供信息的完整性、真实性将有利于我们为你更 好的量身定制个人理财计划，提供更好的个人理财服务。作为我行尊 敬的客户，所有信息都由您自愿提供，我们将为您严格保密。2.所有的理财规划分析都基于您目前的家庭状况、财务状况、生活环 境、未来目标和计划、您对一些金融参数的假设、中华人民共和国目 前生效的法律（含地方法规）以及目前所

3、处的经济形势。以上内容都 有可能发生变化，我们建议您定期审视您的财务目标和规划， 特别是 当你的婚姻状况改变时更需如此。3对本理财报告中涉及的金融产品，提供产品的金融机构享有对这些 产品的最终解释权。同时，除了确定收益率的金融产品外（如存款、 债券），本理财报告不保证分析过程中所采用的金融产品的收益。我 行的理财建议为参考性质的，其不代表我行对实现理财目标的保证。一、客户信息（一）客户信息管理1 .新增客户表1.1.1客户基本信息客户名称陈立健性别男年龄30婚姻状况已婚职业上班族地址上海市浦东新区张东路1388 号城市之星5栋2202学历水平研究生联系方式182021066882.家庭成员表1

4、.1.2 客户家庭成员信息关系成员名称年龄职业学历水平配偶27教师本科长女父亲（二）财务分析2 .生命周期分析表1.2.1客户生命周期分析生命周期家庭形成期这一时期，该客户可支配收入中；支出高；风险承受能力 中高3 .家庭现金流量表表1.2.2 客户家庭现金流量表2016年项目金额（元）收入工资和薪金467820自雇收入奖金和佣金172110养老金和年金其他收入总收入639930支出日常生活支出66000房屋支出183626.63汽车支出商业保险费用医疗费用2000其他支出28000总支出279626.63结余360303.37项目金额（元）金融资产现金与现金等价物现金8000活期存款2000

5、0定期存款150000其他类型存款货币市场基金其他金融资产彳贝券股票基金149232权证期货外汇实盘投资人民币理财产品保险理财产品证券理财产品信托理财产品年12月31日2016表1.2.3 家庭资产负债表其他实物资产自住房6000000投资房机动车家具家电珠宝和收藏品其他个人资产资产总计6327232负债消费贷款创业贷款汽车贷款住房贷款2045456.90其他负债负债总计2045456.90净资产4281775.14 .财务比率分析表1.2.4财务比率分析财务比例分析计算结果诊断结余比率56.30%（偏高）投资净资产比3.49%（偏低）流动性比例7.61（偏高）清偿比率67.67%（合理）资产

6、负债率32.33%（合理）负债收入比28.69%（偏低）即付比率8.66%（偏低）（三）理财目标设定与分析表1.3.1理财目标可行性分析目标类别目标描述预期实现时间（年）可变更性长期项目可（不可）变更短期项目可（不可）变更长期项目可（不可）变更短期项目可（不可）变更短期项目可（不可）变更短期项目可（不可）变更二、分项规划（一）现金规划1 .现金需求分析表2.1.1原现金等价物资产组成现有现金及现金等价物现金（元）银行活期存款（兀）银行定期存款（兀）其他存款（兀）货币市场基金（元）根据对客户家庭财务报表的分析可以知道客户目前流动性资产为 （ 元）；每月支出为一 （ 元）；客户家庭的流动性比率为

7、;而根据分析该客户家庭职业及其收入的稳定程度我们判断该客户家庭需要准备 倍的应急准备金以支付家庭日常开支和 满足家庭的应急要求,因此该客户需要持有 现金保证家庭成员正常生活 个月的时间.从客户现有资产配置来看,该客户的家庭应急准备金 。（偏多/合理/偏少）2 .现金规划工具表2.1.2 现金规划工具选择现金银行活期存款银行定期存款国债企业债股票货币市场基金证券投资基金期权期货外汇理财产品人民币理财产品金融债信托理财产品/闱卡融资典当融资保单质押融资注意：此处需向客户推荐余额宝理财产品，介绍其收益和流动性情况，以 及投资注意事项。（二）保险规划1.优先被保险人的确定表2.2.1 优先被保险人的确

8、定姓名年龄职业个人年收入个人年收入占家庭年收入比重2.保险金额的确定表2.2.2保险金额的确定已买意外险保额（力兀）保费支出（兀）已买寿险及重大疾病险保额（万元）保费支出（兀）建议寿险及重大疾病险保额（万元）建议保费支出（兀）建议意外险保额（万兀）建议保费支出（兀）此处需推荐一款寿险及重疾险和一款综合意外险（参考向日葵保险网）（三）教育规划1.教育资金缺口分析2.3.1教育投资策划目前学费水平（兀/年）筹集资金年限（年）教育费用增长率（百分比）目前已储备教育基金（兀）教育资金总需求（兀）教育资金缺口（元）每月定投资金（元）（四）购房规划1 .购房资金总需求表2.4.1 购房总需求以下信息需要客

9、户输入目前年结余（元）购房准备金（元）拟几年后买房（年）拟贷款年数（年）以下是默认信息，可手动修改还款期数当地房价（元）投资报酬率假设（百分比房屋贷款利率（百分比以下信息由学生计算结果可负担首付款（元）可负担房屋贷款额（元）可负担买房总价（元）房屋贷款占总价成数（百分比2 .还款方式表2.4.2 购房总需求买房总价贷款方式贷款金额还款方式首期还款额商业贷款等额本息还款（五）投资规划1.风险承受能力评估结果表2.5.1风险矩阵表风险矩阵旦险矩阵福助低动中低助中助中高助园脸亳度工具J19分20-39分4059 分6079 分80100 分019 分货币70%$0%40%20%】0%筋30%4W；4

10、0%50%50%股票010%20%30%40%中崎度±0_39 分flgs40%30%20%10%10%筋50%50%50%50%40%股票10%20%30%400；50%中态度4059 分gm40%30T；10%00售券30%30%40%40%30%股票30%4fl%50%50%70%中部度50T9 分货币20%0000筋40%50%40%30K20%原票40%9K70%80%80100 分S860000050%40%30%20%10%回50%60%70%see;90%评估意见：您的风险承受能力属于 ,风险态度属于。我们建议您的资产配置比例为低风险 %;中风险%;高风险%。2,现有

11、投资组合（低风险产品：现金、活期存款、定期存款、货币基金、货币理财产品；中风险产品：债券、债券型基金、投资型房产；高风险产品：股票、期权、期货、外汇表2.5.2现有投资组合资产类别当前价值比重（%低风险类中风险类高风险类根据风险评估结果得出适合您的投资组合为低风险 %;中风险%;高 风险%。但是您现有的投资组合为：低风险 %;中风险%;高风 险%。因此判断您现有的投资组合 调整。3.投资理财方案表2.5.3现有投资组合投资工具产品比例（百分比）投入金额（元）预期投资收益率低风险4中风险8Wj风险12合计此处需推荐一款中风险投资产品（债券型基金）和一款高风险投资产品（股票型投资基金）基金简称基金

12、代码基金类型成立日期2016年12月31日基金规模2016年12月31日份额规模2016年投资收益率过去三年投资收益率（2014.01.01-2016.12.31）申购费率（前端）赎回费率业绩比较基准2016年末资产配置 情况（六）养老规划表2.6.1养老规划定投测算表客户名称年龄预计退休年龄预期寿命预计退休后年生活费用退休当年需要储备的退休费用现有养老金储备预期收益率现有养老金储备退休当年终值退休当年资金缺口退休前每年定投资金（七）财产分配与传承规划1 . 继承人表2.7.1继承人分析继承人名称年龄继承人顺序父亲第一顺序继承人外祖父第一顺序继承人第一顺序继承人外祖母第一顺序继承人配偶第一顺序

13、继承人兄弟第一顺序继承人姐妹第一顺序继承人第一顺序继承人长女第一顺序继承人2 .遗产种类与价值计算表2.7.2遗产种类与价值计算表资产负债种类金额种类金额现金及现金等价物股票、债券、基金等投资创业贷款合伙人投资收益汽车贷款其他投资收益住房贷款养老金（一次性收入现值）助学贷款主要房产及具他房产消费贷款收藏品、珠宝和贵重衣物其他负债汽车、家具、其他资产负债总计资产总计净资产总计3.遗产分配方案表2.7.3遗产分配方案继承人名称继承遗产总额（元）配偶长女父亲兄弟姐妹祖父祖母外祖父外祖母附表复利终值系数表期数1%2%3%4%5%6%7%8%9%10%11.01001.02001.03001.04001

14、.05001.06001.07001.08001.09001.100021.02011.04041.06091.08161.10251.12361.14491.16641.18811.210031.03031.06121.09271.12491.15761.19101.22501.25971.29501.331041.04061.08241.12551.16991.21551.26251.31081.36051.41161.464151.05101.10411.15931.21671.27631.33821.40261.46931.53861.610561.06151.12621.19411.

15、26531.34011.41851.50071.58691.67711.771671.07211.14871.22991.31591.40711.50361.60581.71381.82801.948781.08291.17171.26681.36861.47751.59381.71821.85091.99262.143691.09371.19511.30481.42331.55131.68951.83851.99902.17192.3579101.10461.21901.34391.48021.62891.79081.96722.15892.36742.5937111.11571.24341

16、.38421.53951.71031.89832.10492.33162.58042.8531121.12681.26821.42581.60101.79592.01222.25222.51822.81273.1384131.13811.29361.46851.66511.88562.13292.40982.71963.06583.4523141.14951.31951.51261.73171.97992.26092.57852.93723.34173.7975151.16101.34591.55801.80092.07892.39662.75903.17223.64254.1772161.1

17、7261.37281.60471.87302.18292.54042.95223.42593.97034.5950171.18431.40021.65281.94792.29202.69283.15883.70004.32765.0545181.19611.42821.70242.02582.40662.85433.37993.99604.71715.5599191.20811.45681.75352.10682.52703.02563.61654.31575.14176.1159201.22021.48591.80612.19112.65333.20713.86974.66105.60446

18、.7275211.23241.51571.86032.27882.78603.39964.14065.03386.10887.4002221.24471.54601.91612.36992.92533.60354.43045.43656.65868.1403231.25721.57691.97362.46473.07153.81974.74055.87157.25798.9543241.26971.60842.03282.56333.22514.04895.07246.34127.91119.8497251.28241.64062.09382.66583.38644.29195.42746.8

19、4858.623110.835261.29531.67342.15662.77253.55574.54945.80747.39649.399211.918271.30821.70692.22132.88343.73354.82236.21397.988110.24513.110281.32131.74102.28792.99873.92015.11176.64888.627111.16714.421291.33451.77582.35663.11874.11615.41847.11439.317312.17215.863301.34781.81142.42733.24344.32195.743

20、57.612310.06313.26817.449401.48892.20803.26204.80107.040010.28614.97521.72531.40945.259501.64462.69164.38397.106711.46718.42029.45746.90274.358117.39601.81673.28105.891610.52018.67932.98857.946101.26176.03304.48计算公式：复利终值系数二（1十if, S=p1 +i nP现值或初始值；i 报酬率或利率；n计息期数；S终值或本利和期数12%14%15%16%18%20%24%28%32%36

21、%11.12001.14001.15001.16001.18001.20001.24001.28001.32001.360021.25441.29961.32251.34561.39241.44001.53761.63841.74241.849631.40491.48151.52091.56091.64301.72801.90662.09722.30002.515541.57351.68901.74901.81061.93882.07362.36422.68443.03603.421051.76231.92542.01142.10032.28782.48832.93163.43604.0075

22、4.652661.97382.19502.31312.43642.69962.98603.63524.39805.28996.327572.21072.50232.66002.82623.18553.58324.50775.62956.98268.605482.47602.85263.05903.27843.75894.29985.58957.20589.217011.70392.77313.25193.51793.80304.43555.15986.93109.223412.16715.917103.10583.70724.04564.41145.23386.19178.594411.806

23、16.06021.647113.47854.22624.65245.11736.17597.430110.65715.11221.19929.439123.89604.81795.35035.93607.28768.916113.21519.34327.98340.038134.36355.49246.15286.88588.599410.69916.38624.75936.93754.451144.88716.26137.07577.987510.14712.83920.31931.69148.75774.053155.47367.13798.13719.265511.97415.40725

24、.19640.56564.359100.71166.13048.13729.357610.74814.12918.48831.24351.92384.954136.97176.86609.276510.76112.46816.67222.18638.74166.461112.14186.28187.690010.57512.37614.46319.67326.62348.03985.071148.02253.34198.612812.05614.23216.77723.21431.94859.568108.89195.39344.54209.646313.74416.36719.46127.3

25、9338.33873.864139.38257.92468.572110.80415.66818.82222.57532.32446.00591.592178.41340.45637.262212.10017.86121.64526.18638.14255.206113.57228.36449.39866.672313.55220.36224.89230.37645.00866.247140.83292.30593.201178.72415.17923.21228.62535.23653.10979.497174.63374.14783.021603.02517.00026.46232.919

26、40.87462.66995.396216.54478.901033.62180.12619.04030.16737.85747.41473.949114.48268.51613.001364.32964.92721.32534.39043.53555.00087.260137.37332.96784.641800.94032.32823.88439.20550.06663.800102.97164.84412.861004.32377.25483.92926.75044.69357.57674.009121.50197.81511.951285.63137.97458.13029.96050

27、.95066.21285.850143.37237.38634.821645.54142.1101434093.051188.88267.86378.72750.381469.85455.91942766521*50289.00700.231083.71670.73927.49100.446890*60897.602595.94384.07370.22055556348*注：*99 999计算公式：复利终值系数=(i +i n, s=pi+i np现值或初始值i 一报酬率或利率n一计息期数S终值或本利和附表二复利现值系数表期数1%2%3%4%5%6%7%8%9%10%10.99010.9804

28、0.97090.96150.95240.94340.93460.92590.91740.909120.98030.96120.94260.92460.90700.89000.87340.85730.84170.826430.97060.94230.91510.88900.86380.83960.81630.79380.77220.751340.96100.92380.88850.85480.82270.79210.76290.73500.70840.683050.95150.90570.86260.82190.78350.74730.71300.68060.64990.620960.94200

29、.88800.83750.79030.74620.70500.66630.63020.59630.564570.93270.87060.81310.75990.71070.66510.62270.58350.54700.513280.92350.85350.78940.73070.67680.62740.58200.54030.50190.466590.91430.83680.76640.70260.64460.59190.54390.50020.46040.4241100.90530.82030.74410.67560.61390.55840.50830.46320.42240.385511

30、0.89630.80430.72240.64960.58470.52680.47510.42890.38750.3505120.88740.78850.70140.62460.55680.49700.44400.39710.35550.3186130.87870.77300.68100.60060.53030.46880.41500.36770.32620.2897140.87000.75790.66110.57750.50510.44230.38780.34050.29920.2633150.86130.74300.64190.55530.48100.41730.36240.31520.27

31、450.2394160.85280.72840.62320.53390.45810.39360.33870.29190.25190.2176170.84440.71420.60500.51340.43630.37140.31660.27030.23110.1978180.83600.70020.58740.49360.41550.35030.29590.25020.21200.1799190.82770.68640.57030.47460.39570.33050.27650.23170.19450.1635200.81950.67300.55370.45640.37690.31180.2584

32、0.21450.17840.1486210.81140.65980.53750.43880.35890.29420.24150.19870.16370.1351220.80340.64680.52190.42200.34180.27750.22570.18390.15020.1228230.79540.63420.50670.40570.32560.26180.21090.17030.13780.1117240.78760.62170.49190.39010.31010.24700.19710.15770.12640.1015250.77980.60950.47760.37510.29530.

33、23300.18420.14600.11600.0923260.77200.59760.46370.36070.28120.21980.17220.13520.10640.0839270.76440.58590.45020.34680.26780.20740.16090.12520.09760.0763280.75680.57440.43710.33350.25510.19560.15040.11590.08950.0693290.74930.56310.42430.32070.24290.18460.14060.10730.08220.0630300.74190.55210.41200.30

34、830.23140.17410.13140.09940.07540.0573350.70590.50000.35540.25340.18130.13010.09370.06760.04900.0356400.67170.45290.30660.20830.14200.09720.06680.04600.03180.0221450.63910.41020.26440.17120.11130.07270.04760.03130.02070.0137500.60800.37150.22810.14070.08720.05430.03390.02130.01340.0085550.57850.3365

35、0.19680.11570.06830.04060.02420.01450.00870.0053注：Sc计算公式：复利现值系数=（1十i）n, P=k=S（i+i1 iP现值或初始值；i报酬率或利率；n计息期数；S终值或本利和期数12%14%15%16%18%20%24%28%32%36%10.89290.87720.86960.86210.84750.83330.80650.78130.75760.735320.79720.76950.75610.74320.71820.69440.65040.61040.57390.540730.71180.67500.65750.64070.60860.

36、57870.52450.47680.43480.397540.63550.59210.57180.55230.51580.48230.42300.37250.32940.292350.56740.51940.49720.47610.43710.40190.34110.29100.24950.214960.50660.45560.43230.41040.37040.33490.27510.22740.18900.158070.45230.39960.37590.35380.31390.27910.22180.17760.14320.116280.40390.35060.32690.30500.2

37、6600.23260.17890.13880.10850.085490.36060.30750.28430.26300.22550.19380.14430.10840.08220.0628100.32200.26970.24720.22670.19110.16150.11640.08470.06230.0462110.28750.23660.21490.19540.16190.13460.09380.06620.04720.0340120.25670.20760.18690.16850.13720.11220.07570.05170.03570.0250130.22920.18210.1625

38、0.14520.11630.09350.06100.04040.02710.0184140.20460.15970.14130.12520.09850.07790.04920.03160.02050.0135150.18270.14010.12290.10790.08350.06490.03970.02470.01550.0099160.16310.12290.10690.09300.07080.05410.03200.01930.01180.0073170.14560.10780.09290.08020.06000.04510.02580.01500.00890.0054180.13000.

39、09460.08080.06910.05080.03760.02080.01180.00680.0039190.11610.08290.07030.05960.04310.03130.01680.00920.00510.0029200.10370.07280.06110.05140.03650.02610.01350.00720.00390.0021210.09260.06380.05310.04430.03090.02170.01090.00560.00290.0016220.08260.05600.04620.03820.02620.01810.00880.00440.00220.0012

40、230.07380.04910.04020.03290.02220.01510.00710.00340.00170.0008240.06590.04310.03490.02840.01880.01260.00570.00270.00130.0006250.05880.03780.03040.02450.01600.01050.00460.00210.00100.0005260.05250.03310.02640.02110.01350.00870.00370.00160.00070.0003270.04690.02910.02300.01820.01150.00730.00300.00130.

41、00060.0002280.04190.02550.02000.01570.00970.00610.00240.00100.00040.0002290.03740.02240.01740.01350.00820.00510.00200.00080.00030.0001300.03340.01960.01510.01160.00700.00420.00160.00060.00020.0001350.01890.01020.00750.00550.00300.00170.00050.00020.0001*400.01070.00530.00370.00260.00130.00070.00020.0

42、001*450.00610.00270.00190.00130.00060.00030.0001*500.00350.00140.00090.00060.00030.0001*550.00200.00070.00050.00030.0001*注：*<0.0001Sc计算公式：复利现值系数=（1十i）n, P=S（1+i1 iP现值或初始值；i报酬率或利率；n计息期数；S终值或本利和附表三年金终值系数表期数1%2%3%4%5%6%7%8%9%10%11.00001.00001.00001.00001.00001.00001.00001.00001.00001.000022.01002.02

43、002.03002.04002.05002.06002.07002.08002.09002.100033.03013.06043.09093.12163.15253.18363.21493.24643.27813.310044.06044.12164.18364.24654.31014.37464.43994.50614.57314.641055.10105.20405.30915.41635.52565.63715.75075.86665.98476.105166.15206.30816.46846.63306.80196.97537.15337.33597.52337.715677.21357.43437.66257.89838.14208.39388.65408.92289.20049.487288.28578.58308.89239.21429.54919.897510.26010.63711.02911.43699.36859.754610.15910.58311.02711.49111.9781