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1、個人理財課程簡介課程編號12FIN331課程名稱個人理財課程性質(zhì)必修學(xué) 時32學(xué)分2學(xué)時分配授課：32實驗：上機：實踐：實踐（周）：考核方式閉卷考試，平時成績占50% ,期末成績占50% o開課學(xué)院國際教育學(xué)院更新時間適用專業(yè)財務(wù)管理（中澳合作）先修課程會計學(xué)、財務(wù)管理原理課程內(nèi)容:本課程主要介紹個人理財?shù)母拍?，個人理財行業(yè)的法律、法規(guī)，政府對個人幫助的主要形式，如何選擇投資方式，保險和養(yǎng)老金的作用等。課程的主要內(nèi)容是：1 .解釋個人理財行業(yè)的結(jié)構(gòu)、法規(guī)和參加者2 .探討個人理財?shù)某绦? .分析個人理財中退休計劃和社會保障問題4 .探討家庭投資等。 黃祝華，韋耀瑩.個人理財（第2版）.大連：東
2、北財經(jīng)大學(xué)出版社,2010.3中國銀行業(yè)從業(yè)人員資格認證辦公室.銀行業(yè)從業(yè)人員資格認證考試輔導(dǎo)教材:個人理財.北京：中國金融出版社出版,2007執(zhí)筆:審核:批準(zhǔn):Brief IntroductionCode12FIN331 TitleFinancial PlanningCourse natureRequiredSemester Hours 32 Credits 2Semester HourStructureLecture： 32 Experiment：Computer Lab：Practice：Practice (Week)：AssessmentClosed book examination,
3、 usually results accounted for 50%, the final gradeaccounted for 50%.Offered byInternational Education CollegeDateforFinancial Management (Sino-Australian cooperation)PrerequisiteAccounting, Financial ManagementCourse Description:This subject introduces the concepts involved in personal financial pl
4、anning. It provides anoverview of the laws and regulations relating to the financial planning industry, the forms ofgovernment assistance to individuals, the choice of investments available, and the role ofinsurance and superannuation. The objective of this course is:1. be able to explain the struct
5、ure, regulation and participants in the financial planning industry;2. be able to discuss the financial planning process;3. be able to analyse retirement planning and social security issues of financial planning;4. be able to discuss investments available to households.個人理財課程教學(xué)大綱課程編號12FIN331課程名稱個人理財
6、課程性質(zhì)必修學(xué) 時32課程性質(zhì)必修學(xué)時分配授課：32實驗：上機：實踐：實踐（周）：考核方式閉卷考試，平時成績占50% ,期末成績占50% o開課學(xué)院國際教育學(xué)院更新時間適用專業(yè)財務(wù)管理（中澳合作）先修課程會計學(xué)、財務(wù)管理原理一、教學(xué)內(nèi)容Topic 1 The financial planning profession1.1 Financial planners and advisers1.2The growth of financial planning and investment advice1.3Legal constraints on investment advisers and f
7、inancial planners1.4Disclosure of risks1.5Industry abusesDifficulties： Disclosure of risksKey points: Legal constraints on investment advisers and financial plannersTopic 2 Saving, flnancial markets and financial institutions2.1 Funds flows2.2The determinants of saving2.3Financial markets2.4In terme
8、diation2.5Financial institutions2.6The Australian banksDifficulties： The determinants of savingKey points: Financial markets, Financial institutionsTopic 3 Interest rates and debt securities3.1The structure of interest rates3.2The yield curve3.30ther influences on the structure of interest rates3.4F
9、inancial calculations3.5Short-term securities3.6Capital value risk of debt securities3.7The risks of debt securitiesDifficulties： The yield curveKey points: The structure of interest rates, Capital value risk of debt securitiesTopic 4 Shares and efficient markets4.1 Factors affecting share prices4.2
10、Valuation of Uneven Dividend paying stock4.3Asset pricing models4.4The capital asset pricing model (CAPM)4.5Efficient markets4.6Forecasting techniques4.7Trading rules and strategiesDifficulties： Factors affecting share pricesKey points: The capital asset pricing model (CAPM), Efficient marketsTopic
11、5 The good, the bad and the ugly5.1 The good 一 property5.2Property syndicates5.3The bad 一 collectables5.4Returns5.5The ugly scamsDifficulties： Property syndicatesKey points: The good 一 property, The bad 一 collectablesTopic 6 Managed funds6.1 The advantages and disadvantages of managed investment fun
12、ds6.2Measuring fund performance6.4Master trusts6.5What should advisers tell clients?Difficulties: Measuring fund performanceKey points: The advantages and disadvantages of managed investment funds, Investment stylesTopic 7 Risks in investment and insurance7.1 Variability risk7.2 The holistic approac
13、h to risk7.3 Risk management and insurance7.4 Life insurance7.5 Disability income protection7.6 Health insurance7.7 General insuranceDifficulties: Diversification of the riskKey points: Risk management and insuranceTopic 8 Gearing and negative gearing8.1 Borrowing to invest8.2Borrowing8.3Risks of ge
14、aring8.4Protecting borrowers from margin calls8.5Taxation changes8.6Geared equity with downside coverDifficulties： Risks of gearingKey points: Protecting borrowers from margin calls,Taxation changesTopic 9 Taxation issues for investors9.1 Personal income tax9.2Capital gains tax9.3Tax minimisation st
15、rategies9.4TrustsDifficulties： Tax minimisation strategiesKey points: Personal income tax, Capital gains taxTopic 10 Superannuation, retirement and estate planning10.1 Superannuation rules10.2DIY superannuation funds10.3Taxation opportunities provided by superannuation10.4Estate planningDifficulties
16、： DIY superannuation funds Key points: Superannuation rules, Estate planningTopic 11 Social security aspects of Hnancial planning11.1 Eligibility requirements11.2The pensions, benefits and allowances available to retirees and other11.3Members of the community11.4The eligibility requirements for thes
17、e benefitsDifficulties： The eligibility requirements for these benefitsKey points: The pensions, benefits and allowances available to retirees and otherTopic 12 Creating a financial plan12.1 Steps in creating a financial plan12.2Suggested changes to portfolio12.3Sensitivity analysis12.4Asset accumul
18、ationDifficulties： Suggested changes to portfolioKey points: Steps in creating a financial planTopic 13 Derivatives in investment management13.1 The share price index futures contract13.2Options13.3Put call parity13.4Some option strategies for investors13.5Option strategiesDifficulties： Put call par
19、ityKey points: The share price index futures contract, Options二、教學(xué)基本要求Topic 1 The financial planning professionDescribe the roles of financial planners and advisers; explain the strong growth in this industry;and set out the legal and regulatory requirements which have been imposed on representative
20、s inthe industry.Topic 2 Saving, financial markets and Hnancial institutionsThe aim of this chapter is to provide the reader with a knowledge of the way in which householdsaccumulate assets, incurliabilities and increase their wealth; an understanding of the factors thatdetermine saving; the ability
21、 to calculate the amount that a person needs to save to provide forretirement; familiarity with the financial institutions that transfer funds from savers to borrowers;and details of the markets in which financial assets and liabilities are traded.Topic 3 Interest rates and debt securitiesThe basic
22、aims of this chapter are to set out the characteristics of debt securities as investmentsand to explain interest rates and interest rate calculations. On completing the chapter, the readerwill be able to: understand the factors determining interest rates; evaluate debt securities aspossible investme
23、nts; and carry out calculations on interest rates and on the pricing of debtsecurities using the most commonly used financial calculators.Topic 4 Shares and efficient marketsDescribe an important class of financial assets shares; explain how to calculate measures of thereturn on shares and their val
24、ue; understand the determinants of share prices, especially interestrates, market psychology and overseas share prices; use the dividend discount model; use thecapital asset pricing model and the beta of a share which is an important element of this model;use the capital asset pricing model to estim
25、ate the risk premium demanded by share investors;explain the way in which income from shares is taxed; distinguish between value and growthstocks and be able to analyse the relative performances of these categories; and understand theconcept of efficient markets and its implications for investment d
26、ecisions.Topic 5 The good, the bad and the uglyThe objective of this chapter is to consider a range of additional investments and to evaluate theirquality. The investments are: the good - property which historically has yielded good returns andwhich, in some cases, receives significant tax advantage
27、s; the bad - collectables which provideowners with some pleasure but which have some less desirable characteristics as investments; andthe ugly 一 scams and confidence tricks that have been used to separate investors from their money.On completing this chapter, the reader will be able to advise clien
28、ts on the proper role of propertyin an investors portfolio, explain the benefits and downside of investing in collectables to clientsand steer them away from scams.Topic 6 Managed fundsBe aware of the range of managed funds (trusts) available in Australia; understand the rulesgoverning these vehicle
29、s; and be able to measure the performance of such funds.Topic 7 Risks in investment and insuranceAnalyse the nature of risk and its implications for the provision of financial advice. It will preparereaders to: understand the nature and sources of risk; analyse the overall risk of a full financialpl
30、an; make use of techniques to minimise risk; and measure clients, attitude to risk and theconsistency of these attitudes.Topic 8 Gearing and negative gearingCalculate the benefits obtained from setting up a geared or negatively geared investment structure;evaluate the risks arising out of such a str
31、ucture; and design the structure so that the risks arecontrolled.Topic 9 Taxation issues for investorsGet basic knowledge of: the income taxation system; capital gains tax (CGT); dividend imputation;the changes to be introduced by the Ralph reforms; the tax advantages of home ownership; and taxminim
32、isation techniques.Topic 10 Superannuation, retirement and estate planningUnderstand the rules affecting superannuation; be able to manage a do-it-yourself (DIY)superannuation fund; have a comprehensive knowledge of the taxation aspects of superannuation;be aware of the best ways to organise retirem
33、ent income; and be able to advise clients on estateplanning.Topic 11 Social security aspects of financial planningUnderstand the pensions, benefits and allowances available to retirees and other members of thecommunity; and the eligibility requirements for these benefits. It should be noted that man
34、y ofthese benefits and the eligibility requirements for them are indexed. Therefore, the chapter canonly set out the principles governing social security benefits. Advisers will need to check theactual dollar amounts currently in force before providing advice in this area.Topic 12 Creating a financi
35、al planOn completing this chapter, readers should be able to construct a financial plan, although theycould not claim to be a financial planner until they had created a number of plans under thesupervision of an experienced planner.Topic 13 Derivatives in investment managementThe reader of this chap
36、ter will be able to: explain how derivatives work and their risks andbenefits; use share index futures to protect a share investment use share options to protect a shareinvestment and to avoid margin calls on a leveraged share investment; option strategies that earnprofits in suitable environments;
37、and use share derivatives to construct synthetic investments or toincrease the return on a portfolio.三、章節(jié)學(xué)時分配章次總課時課堂講授實驗上機實踐備注1222223224445226227448229221022114412221322總計3232四、教材與主要參考資料教材Warren McKEOWN. Financial Planning. John Wiley & Sons Australia, Ltd, 2012.參考資料1阿瑟J基翁(Arthur J.Keown),汪濤，郭宇.個人理財(第4版).北京：中國人民大學(xué)出版社,2010.
個人理財課程介紹與教學(xué)大綱
