问题 单项选择题


家住成都的刘先生和任女士苦于对财务的打理,其家庭资产构成为单纯的银行存款。如何才能分享到中国经济的发展而带来可观的收益,刘先生一家的生活怎样才变得滋润。带着这些疑问,他们咨询了金融理财师。通过谈话,理财师了解到他们的基本情况。
一、案例成员
家庭成员年龄职业身体状况
刘先生33建筑工程师
任女士31医生
二、家庭收支状况
                表1 月收入支出表 (单位:元)
月收入金额月支出金额
工资收入15500住房按揭贷款1800
投资收入日常生活支出3000
其他收入养车支出1200
月支出合计6000
月收入支出合计15500月节余9500

                表2 年度性收入支出表 (单位:元)
收入项目金额支出项目金额
年工作收入186000消费支出72000
本人工资收入30000住房按揭21600
本人奖金收入90000日常生活支出36000
配偶收入66000养车支出14400
公积金收入21600投资支出
利息收入3060其他支出
其他收入
收入合计210660支出合计72000
或有收入70000净收入138660
三、家庭资产负债状况                 表3 家庭资产负债表 (单位:元)
资产项目金额负债项目金额
现金极现金等价物267000长期负债388800
现金及活期储蓄17000个人住房贷款388800
定期存款250000短期负债
公积金帐户余额70000其他负债
金融投资资产
其他投资资产
商业保险
个人使用资产500000
自用住宅500000
资产合计837000负债合计388800
净资产448200
四、保险状况
1.刘先生夫妇除单位购买有社会保险外,没有购买任何商业保险;
2.刘先生父母均已退休,身体状况良好。父母退休前均在政府部门工作,退休后的退休金收入稳定,医疗保障齐;
3.任女士父母也已经退休,有稳定的退休金和一定的医疗保障,父亲身体健康,但任女士的母亲患有糖尿病。
五、理财目标
1.计划两年后要小孩,希望不因养育小孩和供小孩教育的支出影响家庭现有的生活水平,有充足的教育基金;
2.希望任女士母亲的病能够得到尽可能充足的保障;
3.刘先生感觉工作繁忙,生活质量不高,希望能够在50岁时提前退休,退休后能够保持现有生活水平。
六、假设条件
假设年通货膨胀率为3%;工资增长率为3%;刘先生每年获得设计费收入的可能性为50%。

接第18题,假设两年后小孩出生,小孩出生后每年为小孩准备3万元的教育基金,教育基金的投资回报率为3%,则退休时小孩教育基金的终值为( )元。

A.558657.23

B.604706.44

C.652148.33

D.701283.24

答案

参考答案:B

解析: PV=0;N=16;PMT=30000,R=3.0%;教育基金的终值为:FV(3%,16, -30000)=604706.44(元)。

阅读理解

阅读理解。

     "Cool" is a word with many meanings. Its old meaning is used to express a temperature that is a

bit cold. As the world has changed,the word has many different meanings.

     "Cool" can be used to express feeling of interest in almost anything.

     When you see a famous car in the street, you will say,"It's cool."You may think,"He is so cool!"

when you see your favourite football player.

     We have quite a few meanings of the word "cool".You can use it instead of many words such as

"new""handsome" or "surprising".There is an interesting story we can use to show the way the word is

used. A mother asked his son to say something about his favourite film star.The little boy could only say,

"He is very cool."But there are many other words which can be used to describe a person.So the story

also shows a scarcity (缺乏) of words.Without "cool",some people have no words to show what they

want to say.Can you think of many other ways that make your life as colorful as the word "cool"? I can.

What about you? Have a try.You'll find them also very cool.

1. We know the word "cool" has had ______.

A. only one meaning

B. no meanings

C. many different meanings

D. the same meanings

2. In the passage, the word "express"(Paragraph 2) means ______.

A. see

B. show

C. know

D. feel

3. If you are ______something,you may say,"It's cool."

A. interested in

B. angry about

C. afraid of

D. unhappy with

4. The writer gives an example ______to show he is the way the word is used.

A. pleased with

B. strange to

C. worried about

D. careful with

5. In the passage,the writer wants to say that the word "cool" ______.

A. can be used instead of many words

B. easily means something interesting

C. can make your life colorful

D. may not be as cool as it seems

多项选择题