问题 单项选择题

关于个人财务规划,下列说法不正确的是( )。

A.单目标财务规划观点认为,向客户销售单一的金融产品或服务以解决单一财务问题即构成财务规划
B.持单目标财务规划观的人强调客户的财务需求、金融产品以及服务
C.持综合财务规划观的人认为,金融理财师必须全面考虑客户的财务状况,包括客户的所有财务需求及其目标,并运用综合手段来实现这些财务需求和目标
D.包含了所有可能获取的个人信息和财务状况是综合财务规划的本质特征之一

答案

参考答案:B

解析: 持多目标财务规划观的人认为,从事单一目标的财务规划人员不能视为金融理财师,真正的财务规划必须为客户解决一个以上的财务问题,在服务方式上应该比出售单一金融产品或服务有所拓展。他们强调客户的财务需求、金融产品以及服务,基本上可以分为保险规划、税务规划和投资规划三大类,财务规划应该涉及至少其中一类的大部分及另一类的某些方面,甚至必须至少包括一种投资规划行为。

填空题
阅读理解

B

It is surprising that eating three meals a day ─ breakfast, lunch, and dinner ─ has been a custom only since 1890. Before this time, they only had two meals a day ─ breakfast and dinner.

In the 16th century, breakfast was only to break one's fast (随便吃一点). But 200 years later it had become a large meal , not just for family, but for numbers of guests as well. It was a social event, It began at 10 a.m. and lasted until l p.m.. Then breakfast began to be less popular. It became , instead, a lighter meal and was taken at a much earlier hour. By 1850 it had been pushed hack to 8 a.m.. and became a family meal.

Dinner, however, went the other way. In the 16th century it was eaten at 11 a.m.. Years later, it had moved to the early afternoon, then to 5 p. m.. By 1850 dinner time had reached 7 p.m. Lunch is a recent idea. It first appeared as a snack to fill the gap between breakfast and dinner.

59. English people did not have lunch _________.

A. before 1890    B. after 1890        C. after 16th century   D. by 1850

60. "Dinner, however, went the other way" means _________.

A. Dinner didn't go there with breakfast    B. Dinner took the same way with breakfast

C. Dinner is different from breakfast        D. Dinner is the same with breakfast

61. Lunch has been served since the end of the ________ century.

A. seventeenth    B. eighteenth        C. sixteenth           D. nineteenth

62. The selection is mostly concerned with _________.

A. what people eat for breakfast         B. what people eat for dinner

C. the history of supper                D. the history of breakfast

63. The selection leads the reader to believe that __________.

A. our custom of meals is based on English custom

B. before 1890 people also ate three meals a day

C. breakfast is the most important meal for us

D. the body can adjust to two or three meals a day