问题 单项选择题


处于而立之年的张太太夫妻俩是广州“白骨精”的典型代表,收入较高,未来发展潜力也很大。关于未来,他们准备实施育儿计划,还要关心双方父母的保障问题,还可能购置一辆私家车。在对自身投资能力存有疑惑的情况下,他们找到了作为金融理财师的你,通过沟通,你了解到下述信息:
一、案例成员
姓名年龄职业身体状况
张太太30岁外资公司的管理人员
张先生30岁记者
夫妻二人暂时没有孩子,但计划在未来一到两年内要一个孩子。此外,在孩子出世之后,张先生的父母会搬来广州与他们一起生活。 二、收支情况
            表1 每月收支状况表 (单位:元)
每月收入每月支出
本人收入13000日常生活开支5000
配偶收入11000房屋贷款7600
其它收入0交际支出1000
赡养父母1500
合计24000合计15100
每月结余8900(其中2000用于定投基金)

                表2 年度性收支状况表 (单位:万元)
收入支出
年终奖金2保费支出1
住房公积金3过年花销及其他开支1.5
合计5合计2.5
年度结余2.5
三、资产情况
           表3 家庭资产负债状况表 (单位:万元)
家庭资产家庭负债
现金和活期存款2房屋贷款81
定期存款0信用卡欠款1.5
股票8
基金45
自住房产65
投资性房产105
备用房产70
住房公积金余额3
借款2
合计300合计82.5
家庭净资产217.5
备注:持有三套总价值约为240万元的房产,三套房产都需要归还贷款。第一套月供 1700元,还剩18万元房款,市值105万元左右,租约刚刚到期;第二套月供2900元,还剩27万元房款,市值65万元左右,现自住;第三套月供3000元,还剩36万元房款,市值 70万元左右,打算孩子出世后入住。
四、理财目标
1.宝宝的保障及日后消费教育问题;
2.是否需要买车,何种付款方式较好;
3.现出租房屋继续出租还是卖出;
4.给婆婆购买什么保险;
5.选择保值功能为主的理财产品。
五、假设条件
假定通货膨胀率为3%,工作收入增长率为4%,学费增长率为4%,投资回报率为7%。

假设张先生贷款20万元购置了一辆新车,贷款利率5.5%,3年还清,等额本息方式还款,则月供为( )。(取接近值)

A.5986

B.6039

C.6135

D.6238

答案

参考答案:B

解析: PMT(5.5%/12,3×12,200000)=-6039.18,因此张先生月供为6039.18元。

阅读理解

阅读下面短文,并按照题目要求用英语回答问题。

     When Dan Shaw gets up from the sofa in his home, Cuddles is never far away. When he wants to go

outside, he doesn't take Cuddles out for walk-Cuddles takes him for a walk. Cuddles is clearly no ordinary

family pet. It is a two-foot-high miniature horse and serves as the guiding eyes of Shaw, who is blind.

     When Shaw lost his sight, his wife suggested he apply for a guide dog. Shaw, an animal lover, said he

couldn't bear to part with a dog (which usually lives about eight to ten years) and get used to a new one,

perhaps several times in his life.

     Then Shaw heard of a program about the tiny guide horses. He learned that the horse possess many

qualities that that make them an excellent choice for guiding people. They are clean friendly, smart and have

great memories. They can be trained to remain calm in noisy and crowded places. Best of all, they live for

25-25years, which would enable Shaw to have the same guide companion for most or all of his life.

     Shaw immediately applied to be and was accepted as the first person to receive a guide horse. The instant

he met Cuddles, he knew he was making the right choice. Then he began his training.

     Through training,Shaw and Cuddles learned to find way on busy streets, step over curbs (便道沿儿)

and find elevator buttons. Cuddles even demonstrated (显示) its ability to step in front of Shaw and block

him, to prevent him from walking into a dangerous situation. The little horse also expertly led Shaw through

busy shopping malls. They got along without any difficulties. Now Shaw is confident that Cuddles will change

his life for the better.

1. What's the meaning of the underlined word "miniature" in Paragraph 1? (No more than 2 words)

    _______________________________________________________________________________________

2. Why didn't Shaw want to choose a dog as his guide? (No more than 15 words)

    _______________________________________________________________________________________

3. What does Paragraph 3 mainly tell us? (No more than 10 words)

    _______________________________________________________________________________________

4. How does Shaw feel about his future life with the help of Cuddles? (No more than 10 words)

    _______________________________________________________________________________________

5. In your opinion, what is the ideal relationship between man and animals? (No more than 20 words)

    _______________________________________________________________________________________

单项选择题