问题 单项选择题


作为单身母亲的余女士已离婚成为单身母亲,面对生涯规划,需要金融理财师协助规划。经过初步沟通面谈后,你获得了以下家庭、职业与财务信息:
一、案例成员
姓名年龄职业
余菲菲31一家品牌服装专卖店的老板
余小青8小学三年级学生
二、家庭收支状况 1.收入方面 (1)余菲菲女士,每年经营收入扣除铺租、水电、管理费、人工、税金等各项成本后,约为人民币15万元。而且,余女士估计今后10年左右,只要不出现意外情况,专卖店的收益应该能一直稳定在这个水平,并会随着通胀率上升而增加。 (2)2007年,根据离婚协议房子归其前夫黄先生所有,但黄先生一次性补偿余女士人民币30万元。 (3)余小青,归余女士抚养,黄先生有探视权,每个月需按时支付人民币1500元给余女士作为女儿的生活费和教育费,直到女儿结束学业走上工作岗位为止。 2.支出方面 (1)余女士租住在专卖店附近的60平方米公寓,由于地处商业旺区,每个月租金高达 2500元,加上物业管理费、水电费,余女士每个月花在房子上就得3500元,再加上两人的生活费、购物娱乐费、通讯费2000元,以及女儿每个月特长培训费1000元,合计高达 6500元; (2)2008年还多了一项养车的开支,一年下来,车辆的检查费、保险费、油费、过路费、停车费、维护保养费、修理费合计得花费至少3万元,平摊到每个月约需2500元,这样下来,余女士每个月要支出9000元; (3)前年余女士为女儿练琴花费2万多元买了一台不错的钢琴; (4)现在每个月参加钢琴培训班、舞蹈培训班和英语培训班的费用需1000元。
                 表1 现金流量表 (单位:元)
收入金额占总收入的比例
自雇收入(稿费及其他非薪金收入)余女士15000086%
投资收入利息71284%
其他收入1500×12=1800010%
总收入175218
支出
房产租金等各项开支3500×12=4200032%
教育费用特长培训1000×12=120009%
汽车贷款支付22617.9617%
汽油及保险、维修等费用3000023%
日常生活开支通讯费、交通费、日常生活用品等开支费用2000×12=2400018%
总开支130617.96
总结余44510.04
三、家庭资产负债状况
由于生意往来需要,余女士在2008年初用多年做生意的积蓄购买了一辆20万元的中档轿车,首付五成,向银行申请了5年的贷款,贷款利率4.95%,到现在刚好还了一年,还剩4年还款时间。但是,一年下来自己买的车已经降价了3万元。
前夫金先生2007年底补偿的30万元则被余女士存入银行定期,准备用作女儿将来出国留学的费用,余女士几年来也攒下40万元,10万元用来买车,剩下的30万元作为了专卖店的流动资金。到目前为止利息收入如下:活期存款:300000×0.72%×80%=1728 (元);定期存款:300000×2.25%×80%=5400(元);可得利息总额为:7128元。
四、家庭理财目标方面
①余女士对女儿寄予很大的期望,不仅希望女儿可以就读北京的名牌大学,还计划送女儿到国外攻读硕士。
②余女士决定2009年初买一套60平方米、每平方米8000元左右的新房。但是,要买新房就得准备一笔至少20万元的资金,包括首期房款及装修费。
五、假设条件
年通货膨胀率为3%;一年期定期存款的年利率为2.25%;货币市场基金年收益率为 1.9%;债券年收益率为3.5%;股票型开放式基金年收益率为7%;分红险和万能寿险的投资账户年收益率为2.8%;客户租住的公寓与商铺的租金每年上涨5%,房价上涨8%;汽车价值的年贬值率为15%;学费增长率为4%/年;个人所得税和企业所得税的税率保持不变;人民币1年内将升值3%~5%。

余女士在2008年初购买了一辆20万元的中档轿车,自己首付五成10万元,向银行申请了五成5年的贷款,贷款利率4.95%,到现在刚好还了一年,贷款余额为( )元。

A.81925.65

B.82364.25

C.83648.21

D.84369.78

答案

参考答案:A

解析:
计算过程如下:

2nd [RESET] ENTER RST0.00
2nd [p/y] 12 ENTER P/Y=12.00
2nd [QUTT]0.00
52nd [XP/Y] NN=60.00
4.95I/YI/Y=4.95
100000 PV PV=100000.00
CPT PMT PMT=-1884.83
2nd AMORT P1=1.00
↓12P2=12
BAL=81952.65

阅读理解

阅读理解。

     It came as something of a surprise when Diana, Princess of Wales, made a trip to Angola in 2004, to

support the Red Cross's campaign for a total ban on all anti-personnel landmines (地雷). Within hours of

arriving in Angola, television screens around the world were filled with images of her comforting victims

injured in explosions caused by landmines. "I knew the statistics," she said. "But putting a face to those

figures brought the reality home to me; like when I met Sandra, a 13- year-old girl who had lost her leg,

and people like her."

    The Princess concluded with a simple message: "We must stop landmines". And she used every

opportunity during her visit to repeat this message.

    But, back in London, her views were not shared by some members of the British government, which

refused to support a ban on these weapons. Angry politicians launched an attack on the Princess in the

press. They described her as "very ill-informed" and a "loose cannon (乱放炮的人)."

    The Princess responded by brushing aside the criticisms: "This is a distraction we do not need. All I'm

trying to do is help."

    Opposition parties, the media and the public immediately voiced their support for the Princess. To

make matters worse for the government, it soon emerged that the Princess's trip had been approved by

the Foreign Office, and that she was in fact very well-informed about both the situation in Angola and the

British government's policy regarding landmines. The result was a severe embarrassment for the

government.

    To try and limit the damage, the Foreign Secretary, Malcolm Rifkidnd, claimed that the Princess's

views on landmines were not very different from government policy, and that it was "working towards" a

worldwide ban. The Defence Secretary, Michael Portillo, claimed the matter was "a misinterpretation or

misunderstanding."

    For the Princess, the trip to this war-torn country was an excellent opportunity to use her popularity to

show the world how much destruction and suffering landmines can cause. She said that the experience

had also given her the chance to get closer to people and their problems.

1. Princess Diana paid a visit to Angola in 2004________ .  

A. to voice her support for a total ban of landmines

B. to clarify the British government's stand on landmines

C. to investigate the sufferings of landmine victims there

D. to establish her image as a friend of landmine victims

2. What did Diana mean when she said "... putting a face to those figures brought the reality

     home to me" (Line 5, Paragraph 1)?  

A. She just couldn't bear to meet the landmine victims face to face.

B. The actual situation in Angola made her feel like going back home.

C. Meeting the landmine victims in person made her believe the statistics.

D. Seeing the pain of the victims made her realize the seriousness of the situation.

3. Some members of the British government criticized Diana because_________ .

A. she was ill-informed of the government's policy

B. they were actually opposed to banning landmines

C. she had not consulted the government before the visit

D. they believed that she had misinterpreted the situation in Angola

4. How did Diana respond to the criticisms?

A. She paid no attention to them.      

B. She made more appearances on TV.

C. She met the 13-year-old girl as planned.  

D. She rose to argue with her opponents.

5. What did Princess Diana think of her visit to Angola? 

A. It had caused embarrassment to the British government.

B. It had brought her closer to the ordinary people.

C. It had greatly promoted her popularity. 

D. It had affected her relations with the British government.

单项选择题 A1型题