个人理财规划参考模型【外文翻译】

《个人理财规划参考模型【外文翻译】》由会员上传分享，免费在线阅读，更多相关内容在学术论文-天天文库。

1、本科毕业论文外文翻译外文题目：AReferenceModelforPersonalFinancialPlanning出处：InternationalHandbooksInformationSystem作者：OliverBraun,GünterSchmidt原文：Weunderstandpersonalfinancialplanningastheprocessofmeetinglifegoalsthroughthemanagementoffinances.Ourreferencemodelfulfilstwokindsofpurposes:first,theanalysi

2、smodelisaconceptualmodelthatcanservefinancialplannersasadecisionsupporttool.Second,systemdeveloperscanmaptheanalysismodeltothesystemarchitectureatthedesignstageofsystemdevelopment.Furthermore,thereferencemodelservesasacaptureofexistingknowledgeinthefieldofIT210OliverBraun,GünterSchmidtsu

3、pportedpersonalfinancialplanning.Themodelalsoaddressesinteroperabilityassessmentsbytheconceptofplatform-independentusageofpersonalfinancialplanningtools.PersonalFinancialPlanningThefieldofpersonalfinancialplanningiswellsuppliedwithalotoftextbooks,Mostbookscanbeusedasguidestohandlepersona

4、lfinancialproblems.e.g.maximizewealth,achievevariousfinancialgoals,determineemergencysavings,maximizeretirementplancontributions,etc.Therearealsopapersinjournalsrangingfromthepopularpresstoacademicjournals.Wewillstartourdiscussionwithsomedefinitionsrelatedtotheworldofpersonalfinancialpla

5、nning.CertifiedFinancialPlanner’s(CFP)BoardofStandardsdefines(personal)financialplanningasfollows:Definition(CFPBoardofStandards2005)Financialplanningistheprocessofmeetingyourlifegoalsthroughthepropermanagementofyourfinances.Lifegoalscanincludebuyingahome,savingforyourchild’seducationorp

6、lanningforretirement.Financialplanningprovidesdirectionandmeaningtoyourfinancialdecisions.Itallowsyoutounderstandhoweachfinancialdecisionyoumakeaffectsotherareasofyourfinances.Forexample,buyingaparticularinvestmentproductmighthelpyoupayoffyourmortgagefasteroritmightdelayyourretirementsig

7、nificantly.Byviewingeachfinancialdecisionaspartofawhole,youcanconsideritsshortandlong-termeffectsonyourlifegoals.Youcanalsoadaptmoreeasilytolifechangesandfeelmoresecurethatyourgoalsareontrack.Definition(ISO/TC2222004)Personalfinancialplanningisaninteractiveprocessdesigned