Ⅰ 求 关于个人理财产品的外文文献 急求
Creating Your Budget on Paper
Creating a household budget on paper won't provide graphical budget reports found in budgeting or personal finance software, but creating a budget on paper has the advantage of being always available, not just when the computer is on.
Budgeting on Paper
To create a budget form with pen and paper or a word processor, you need to decide if you will budget the same amount for expenses and income for each month, or if you will be budgeting fluctuating amounts across the year. The method you decide on dictates the number of columns you will need in your budget form.
Setting up a budget on paper can be as simple as using your writing instrument of choice and a ruler to draw rows and columns. The advantage of this system is that it is portable and always available. The disadvantage is that as you tweak your budget or find new categories you need to budget for, you will need to rewrite parts of the budget or redo it entirely.
If you budget the same amount each month, draw two columns on paper, one for income and expense categories (paycheck, groceries, utilities) and one for the monthly budgeted amount for each category. If you are budgeting income or expenses will fluctuate monthly, you need a column for the budgeted categories and twelve columns to hold monthly amounts.
Add up total expenses and income in a total row at the bottom of the budgeted amounts column. If you are budgeting for all twelve months, total each month indivially. The total expense rows need to be compared to total income to be sure you are not over-budgeted.
Read more at Suite101: Creating Your Budget on Paper: Personal Financial Planning http://personal-budget-creation.suite101.com/article.cfm/budget_planning#ixzz0dLKVBCWL
Budget Form Print Outs
Printing out a blank budget form from a web site or word processing software provides a neat format for recording budget data. This is a good solution for those who want to create their budget by hand but don't want to have to redraw lines for columns and rows when the budget changes.
As with a completely hand-written budget, you need to decide if you will budget the same amount for expenses and income for each month, or if you will be budgeting fluctuating amounts across the year. If you go with a static budget amount month after month, you only require two columns - one for the budgeted category and one for the amount budgeted. Budgeting different monthly amounts calls for a category column and a column for each month in a year. Be sure to include a total row beneath the budgeted amounts so you can see if total expenses surpass total income.
Free Budget Planning Printables
Using Tables in Microsoft Word: Tips on using the Tables feature in Microsoft Word to create your budget form.
These free printable budget planning forms require the free Adobe Reader
To use forms for tracking your monthly spending after you create your budget: print out the form, fill in budgeted amounts that will not change and then make photocopies to avoid recording budgeted amounts each month.
Use Balance Pro's complete budget form with a personal financial analysis with the 8-page Money Management Planner to break down current spending, planned budget and changes in spending needed to reach budgeted amounts. Includes weekly and monthly expense records.
Detailed Budget Worksheet from Freddie Mac includes lines for brief notes.
Monthly Budget Worksheet from www.SocialServe.com includes a Monthly Spending Summary on the last page, with a spot to record surplus or shortfall.
Less detailed and very colorful Simple Monthly Budget worksheet from www.aba.com.
Read more at Suite101: Creating Your Budget on Paper: Personal Financial Planning http://personal-budget-creation.
Ⅱ 求中国理财业的发展史
理财行为人类自古就有,“积谷防饥、养儿防老”就是最为朴素的理财观念。现代理财观念起源于金融比较发达的美国,萌芽于20世纪30年代的保险业。
众所周知,保险规划是理财的重要组成部分。20世纪30年代,尤其是1929年10月美国股市暴跌后,从破产危机中清醒过来的人们逐渐萌生了对个人生活综合设计和资产运用规划的需求,保险的“社会稳定器”功能使得保险公司的地位空前提高。在这种背景下,一些保险推销员在推销保险商品的同时,也提供一些生活规划和资产运用的咨询服务。这些保险营销员就是理财规划师——FP的前身。
真正的理财仅有保险是远远不够的,投资才是金融理财的高级形式。理财的真正发展还是在20世纪60年代末期,马克维茨资本市场理论和夏普的资本资产定价模型被提出之后,投资才成为一门科学,建立在金融理论、社会学和投资方法等基础学科之上的理财也才逐步走向正规。随着理财成为科学,传统的保险营销员式的非标准的咨询活动已经不再适合理财发展的需要,理财规划师协会作为培育理财师和维护行业发展方向的标准化组织应运而生。经过20世纪70和80年代这20年的发展,理财规划师协会不断摸索出较为完善的管理制度,并初步形成了目前的课程体系。
任何事物的成熟总是与苦难和考验结合在一起的,理财师行业也不例外。20世纪70和80年代,由于石油危机、美元危机的影响,私人经济进一步发展,使得个人金融资产膨胀、金融自由化浪潮兴起,个人财产管理观念、金融工具运用的时代背景发生了重大变化。这一方面使传统的理财手段难以适应需要,同时也促使人们对理财的需求急剧增加。作为社会变革和金融自由化改革所带来的一个结果,金融商品迅速增加、金融风险加大,个人已经无力自行解决自己的理财问题,人们迫切需要理财师的帮助。这样就推动了理财业的空前发展,同时理财的内容也从传统的保险、投资增加了养老、避险避税的成分,理财师的地位也不断提升。
20世纪80年代是美国的大变革年,里根领导下的美国经过10年的努力,最终改变了国家的经济状况,并在90年代的前5年内收回了过去20年的“失地”,重新确立了经济上的主导地位。而科学理财也跟随着美国的发展,最终走向了全世界。美国的理财规划师协会逐步在全球各地设立分支机构,结合实际情况编写符合当地实际的理财课程,培养专业化理财师。虽然世界各地均有自己的风土人情,但美国理财业70余年的历史还是为世界人民提供了宝贵的经验,其成功与失败均值得我们学习和借鉴。CFC作为植根于北美的理财协会,不仅拥有丰富的经验,并且拥有自己的研究和培训队伍,其开设的课程涵盖了理财发展所经历的各个阶段的宝贵经验,非常值得中国这样的新兴理财市场的投资者和理财师学习参考。
赚点分
Ⅲ 理财的由来
“理财”一词，最早见诸于20世纪90年代初期的报端。随着中国股票债券市场的扩容，商业银行、零售业务的日趋丰富和市民总体收入的逐年上升，“理财”概念逐渐走俏。
Ⅳ 文采什么意思，投资理财论文参考文献
OK ，我能够提供点。
Ⅳ 跪求个人投资理财的研究背景和研究意义
嗯、51商机网做为一个投资理财信息中心，目前所要加盟注意事项都有、你可以到各个项目里面的资料里面找一些你所要的信息。
Ⅵ 关于私人理财的文献
我也是08毕业呐,内容写得还差不多呢~不过么,呵呵,还是靠你自己吧
Ⅶ 银行个人理财论文的参考文献
Creating Your Budget on Paper
Creating a household budget on paper won't provide graphical budget reports found in budgeting or personal finance software, but creating a budget on paper has the advantage of being always available, not just when the computer is on.
Budgeting on Paper
To create a budget form with pen and paper or a word processor, you need to decide if you will budget the same amount for expenses and income for each month, or if you will be budgeting fluctuating amounts across the year. The method you decide on dictates the number of columns you will need in your budget form.
Setting up a budget on paper can be as simple as using your writing instrument of choice and a ruler to draw rows and columns. The advantage of this system is that it is portable and always available. The disadvantage is that as you tweak your budget or find new categories you need to budget for, you will need to rewrite parts of the budget or redo it entirely.
If you budget the same amount each month, draw two columns on paper, one for income and expense categories (paycheck, groceries, utilities) and one for the monthly budgeted amount for each category. If you are budgeting income or expenses will fluctuate monthly, you need a column for the budgeted categories and twelve columns to hold monthly amounts.
Add up total expenses and income in a total row at the bottom of the budgeted amounts column. If you are budgeting for all twelve months, total each month indivially. The total expense rows need to be compared to total income to be sure you are not over-budgeted.
Read more at Suite101: Creating Your Budget on Paper: Personal Financial Planning http://personal-budget-creation.suite101.com/article.cfm/budget_planning#ixzz0dLKVBCWL
Budget Form Print Outs
Printing out a blank budget form from a web site or word processing software provides a neat format for recording budget data. This is a good solution for those who want to create their budget by hand but don't want to have to redraw lines for columns and rows when the budget changes.
As with a completely hand-written budget, you need to decide if you will budget the same amount for expenses and income for each month, or if you will be budgeting fluctuating amounts across the year. If you go with a static budget amount month after month, you only require two columns - one for the budgeted category and one for the amount budgeted. Budgeting different monthly amounts calls for a category column and a column for each month in a year. Be sure to include a total row beneath the budgeted amounts so you can see if total expenses surpass total income.
Free Budget Planning Printables
Using Tables in Microsoft Word: Tips on using the Tables feature in Microsoft Word to create your budget form.
These free printable budget planning forms require the free Adobe Reader
To use forms for tracking your monthly spending after you create your budget: print out the form, fill in budgeted amounts that will not change and then make photocopies to avoid recording budgeted amounts each month.
Use Balance Pro's complete budget form with a personal financial analysis with the 8-page Money Management Planner to break down current spending, planned budget and changes in spending needed to reach budgeted amounts. Includes weekly and monthly expense records.
Detailed Budget Worksheet from Freddie Mac includes lines for brief notes.
Monthly Budget Worksheet from www.SocialServe.com includes a Monthly Spending Summary on the last page, with a spot to record surplus or shortfall.
Less detailed and very colorful Simple Monthly Budget worksheet from www.aba.com.
Read more at Suite101: Creating Your Budget on Paper: Personal Financial Planning http://personal-budget-creation.suite101.com/article.cfm/budget_planning#ixzz0dLKZC8mf
Ⅷ 求关于如何理财论文的参考文献
- 个人理财业务新起点的深度分析 作者:林姗姗, 期刊-核心期刊 经济师CHINA ECONOMIST 2008年 第11期 - 个人理财业务存在的问题及竞争策略 作者:龚中纯, 期刊-核心期刊 企业经济ENTERPRISE ECONOMY 2004年 第10期 - 西方商业银行个人理财业务发展新趋势及其借鉴 New Trends and Revelation of Indivial Financial Affairs Development of Western Commercial Banks 作者:凌江怀, 期刊 华南师范大学学报（社会科学版）JOURNAL OF SOUTH CHINA NORMAL UNIVERSITY(SOCIAL SCIENCE EDITION) 2004年 第04期 - 我国商业银行个人理财业务发展探析 作者:程晓华, 期刊-核心期刊 经济师CHINA ECONOMIST 2004年 第08期 - 商业银行发展个人理财业务的难点及策略 作者:林阳发, 期刊 现代商业MODERN BUSINESS 2007年 第36期 - 网上银行发展个人理财业务初探 作者:姚海, 期刊-核心期刊 技术经济与管理研究TECHNOECONOMICS & MANAGEMENT RESEARCH 2002年 第02期 - 对商业银行个人理财业务监管的思考 作者:杨俊松, 期刊-核心期刊 金融与经济FINANCE AND ECONOMY 2006年 第03期 - 我国商业银行个人理财业务探讨 作者:高孝欣, 期刊-核心期刊 长沙民政职业技术学院学报JOURNAL OF CHANGSHA SOCIAL WORK COLLEGE 2008年 第02期 - 美国注册会计师的个人理财业务 作者:华金秋,罗樱, 期刊-核心期刊 财会学习ACCOUNTING LEARNING 2008年 第09期 - 个人理财业务开展的国内现状研究 The Study of the Civil Present Condition of the Development of Personal Financial Management Business 作者:蔡汉明,徐艳玲, 期刊 武汉理工大学学报(社会科学版)JOURNAL OF WUHAN UNIVERSITY OF TECHNOLOGY(SOCIAL SCIENCE EDITION) 2004年 第05期 - 个人理财业务的发展现状、前景与策略分析 作者:姜晓兵,罗剑朝,温小霓, 期刊-核心期刊 生产力研究PRODUCTIVITY RESEARCH 2007年 第03期 更多请浏览 易起论文网 www.17net.net
Ⅸ 关于大学生理财方面的文献综述正文可以从那些方面分析
理财包含的种类很多，例如：保险，股票，基金，证券，期货，虚拟货币等，风险性也各不相同。对于大学生来讲，还是所有人来说，保险是第一首选，保本而且具有杠杆效应，这里的保险指的是保障类的产品，意外，大病，医疗，如同地基，接下来才是投资类的房体、根据风险性的大小，适当选择理财。希望可以帮到你
Ⅹ 现代理财起源于什么国家
美国，美国保险业