2021年理财规划案例分析.doc

理财计划书
作品介绍
本计划书是针对中等收入家庭而定制，围绕目前经济情况和用户李才先生现在实际情况而展开详尽分析和探讨。在第二部分，我们编制了该用户家庭资产负债表、现金流量表等财务报表，方便帮助本团体进行合理分析：
（1）在综合财务诊疗过程中，发觉该用户资产配置方法存在漏洞、投资产品集中度过高、净现金现金流收益效用没有得到最大化；
（2）在风险评定过程中，评定该用户风险属性中等，属于稳健型投资者。
进而，对于用户预期想达成目标是否可达，本团体还编制了家庭生涯仿真表并进行了静、动态确定方案，结果初步判定预期理财目标可达。在第二部分第八个项目，是本计划书关键。关键是以用户李才先生预期目标为理财计划重心，合理协调多种生活资源，提升生活质量。在计划书最终一部分，本团体用时效性数据计划出了一个“实施理财计划后”反馈，方便让用户认同本团体理财方案。
目 录
第一部分 计划前沟通：取得用户相关资料···································4
一、家庭组员背景························································4
二、家庭收支情况（收入均为税前）············································4
三、家庭资产负债情况·····················································4
四、理财目标（短期目标为现值，长久目标为终值）······························5
第二部分 理财计划汇报内容·················································6
一、理财寄语及申明························································6
二、摘要·································································7
三、基础情况介绍··························································8
1、家庭基础情况概述以下表·············································8
2、理财目标···························································9
四、宏观经济和基础假设····················································9
五、家庭财务报表编制和家庭综合财务分析···································11
1、家庭税后收入具体计算············································11
2、家庭现金流量表····················································11
3、家庭资产负债表分析················································12
4、家庭生命周期性分析················································12
5、家庭应急准备金分析················································13
6、家庭实物资产分析··················································
13
7、家庭财务指标分析··················································14
8、家庭财务比率分析··················································16
9、家庭风险属性属性分析··············································17
六、确定可达成理财目标或处理问题方案···································18
1、静态分析方案······················································18
2、动态分析方案··············