个人理财规划教案.doc

西南政法大学教案课程名称个人理财规划授课专业金融学年级2005课程编号课程类型必修课校级公共课（ ）；基础或专业基础课（ ）；专业课（ ）选修课限选课（）；任选课（ ）教学目标了解个人财务规划的概念和基本内容；掌握个人财务规划的理论基础知识及技能；熟悉个人理财体系几个模块各部分业务及其运用；强化对情景案例的分析能力和计算能力。授课方式课堂讲授（）；实践课（ ）考核方式考试（）；考查（ ）课程教学总学时数30学分数2学时分配课堂讲授 学时；实践课 学时教材名称Personal Financial Planning作 者Lawrence J. Gitman and Michael D. Joehnk出版社及出版时间Thomson South-western: Mason, Ohio, USA 2005指定参考书个人理财个人理财策划个人投资理财风险管理与保险作者中国金融教育发展基金会金融理财师标准委员会组织编写（谢怀祝等编著）陈工孟、郑子云主编林功实主编特瑞斯.普雷切特等出版社及出版时间中信出版社2004年北京大学出版社，2003年清华大学出版社，2003年中国社会科学出版社，1998年授课教师卿烈蓉职 称讲师单 位经济学院金融教研室授课时间2007至2008学年第一学期第一至十七周每周二第3-4节注：表中（ ）选项请打“”。西南政法大学教案周 次第 1 周，第 1 次课编写时间2007年8月21日章节名称Chapter 1 Understanding the Financial Planning Process授课方式课堂讲授（），实践课（ ）教学时数2时间分配授课要点教学内容的重点和难点The Rewards of Sound Financial PlanningThe Personal Financial Planning ProcessFrom the goals to Plans: A Lifetime of PlanningThe PlayersWhat determines Your Personal Income?1.5教学内容的深化和拓展Case applications:Goals and rewards of the personal financial planning process0.5本单元的教学手段（采用启发式、讨论式、研究式等教学方法情况及教学仪器设备）采用多媒体教学课堂讲授为主，同时采用启发式、讨论式教学师生活动设计1Applying personal finance: watch your attitude toward money. 通过小测验检验学生对于money的态度。2案例讨论：通过案例让学生更深入地了解和掌握个人理财规划的目标和好处思考题或作 业案例分析：finding a new job, 通过该案例的分析，学生掌握What determines Your Personal Income?思考题：1How can using personal financial planning tools help you improve your financial situation? Describe changes you can make in at least three areas.2. Use worksheet describe your current status based on the personal financial planning life cycle with goals that reflect your current situation and your expected life situation in 5 and 10 years.西南政法大学教案周 次第 2 周，第 1 次课编写时间2007年8月21日章节名称Chapter 2 Your Financial Statements and Plans授课方式课堂讲授（），实践课（ ）教学时数2时间分配授课要点教学内容的重点和难点Mapping out Your Financial FutureThe Time value of money The Balance Sheet: How much are you worth today?1.5教学内容的深化和拓展The time value of money:Future Value; The rule of 72; Present value0.5本单元的教学手段（采用启发式、讨论式、研究式等教学方法情况及教学仪器设备）采用多媒体教学课堂讲授为主，同时采用启发式、讨论式教学师生活动设计案例讨论：analyzing the benefit of a second income思考题或作 业思考题：1Use future present value techniques to solve the following problems:(1) Starting with $1000, how much will you have in 10 years if you can earn 15% on your money? If you can earn only 8%.(2) If you inherited $25000 today and invested all of it in a security that paid a 10% rate of return, how much would you have in 25 years?(3) if the average new home costs 125000 today, how much will it cost in 10 years if the price increase by 5% each year?(4) you feel that in 15 years it will cost %75000 to give your child a college education. Will you have enough if you take $25000 today and incest it for the next15 years at 8%? If you start from scratch, how much will you have to save each year to have %75000 in 15 years if you can earn an 8% rate of return on your investments?(5) if you can earn 12%, how much will you have to save each year if you want to retire in 35 years with $1 million?西南政法大学教案周 次第 3 周，第 1 次课编写时间2007年8月21日章节名称Chapter 2 Your Financial Statements and Plans授课方式课堂讲授（），实践课（ ）教学时数2时间分配授课要点教学内容的重点和难点The Balance Sheet: How much are you worth today?The Income and Expense Statement: What we earn and where it goes?Using Your Personal Financial StatementsCash In / Cash Out: Preparing and Using Budgets1.5教学内容的深化和拓展Cash In / Cash Out: Preparing and Using Budgets0.5本单元的教学手段（采用启发式、讨论式、研究式等教学方法情况及教学仪器设备）采用多媒体教学课堂讲授为主，同时采用启发式、讨论式教学师生活动设计Case study: the budgeting process思考题或作 业Text book P80 6:Use worksheet 2.2 ,evaluate balance sheet relative to the following factors:1. solvency2. liquidity3. equity.西南政法大学教案周 次第 4 周，第 1 次课编写时间2007年8月21日章节名称Chapter 3 Managing Your Taxes授课方式课堂讲授（），实践课（ ）教学时数2时间分配授课要点教学内容的重点和难点Understanding personal income tax principlesIts Taxable Income that MattersCalculating and Filing Your Taxes1.5教学内容的深化和拓展Case study: Calculating and Filing Your Taxes0.5本单元的教学手段（采用启发式、讨论式、研究式等教学方法情况及教学仪器设备）采用多媒体教学课堂讲授为主，同时采用启发式、讨论式教学师生活动设计Case study: Calculating and Filing Your Taxes思考题或作 业1.personal income tax principles 2. whats Taxable Income and how to calculate it?西南政法大学教案周 次第 5 周，第 1 次课编写时间2007年8月21日章节名称Chapter 3 Managing Your TaxesChapter 4 Managing Your Cash and Savings授课方式课堂讲授（），实践课（ ）教学时数2时间分配授课要点教学内容的重点和难点Effective Tax PlanningThe Role of Cash Management in Personal Financial PlanningTodays Financial Services Marketplace0.51教学内容的深化和拓展Case study: Effective Tax Planning0.5本单元的教学手段（采用启发式、讨论式、研究式等教学方法情况及教学仪器设备）采用多媒体教学课堂讲授为主，同时采用启发式、讨论式教学师生活动设计Case study: Effective Tax Planning思考题或作 业1. Effective Tax Planning2. The Role of Cash Management in Personal Financial Planning西南政法大学教案周 次第 6 周，第 1 次课编写时间2007年8月21日章节名称Chapter 4 Managing Your Cash and Savings授课方式课堂讲授（），实践课（ ）教学时数2时间分配授课要点教学内容的重点和难点The Growing Menu of Cash Management ProductsEstablishing A Saving Program1.2教学内容的深化和拓展Starting Your Saving ProgramEarning Interest on Your MoneyA Variety of Ways to Save0.8本单元的教学手段（采用启发式、讨论式、研究式等教学方法情况及教学仪器设备）采用多媒体教学课堂讲授为主，同时采用启发式、讨论式教学师生活动设计Case study: how to build your nest egg?思考题或作 业1. how to select the checking, saving, electronic banking, and other band services that meet your needs?2. develop a savings strategy that incorporates a variety of savings plans西南政法大学教案周 次第 7 周，第 1 次课编写时间2007年8月21日章节名称Chapter 5 Making Automobile and Housing Decisions授课方式课堂讲授（），实践课（ ）教学时数2时间分配授课要点教学内容的重点和难点5.1 Buying an Automobile5.1.1 Choosing a car5.1.2 Affordability5.1.3 The Purchase Transaction5.2 Leasing Your Car5.2.1 The Leasing Process 5.2.2 The Lease vs. Purchase Analysis1.5教学内容的深化和拓展The Lease vs. Purchase Analysis0.5本单元的教学手段（采用启发式、讨论式、研究式等教学方法情况及教学仪器设备）采用多媒体教学课堂讲授为主，同时采用启发式、讨论式教学师生活动设计Case study: The Lease vs. Purchase Analysis思考题或作 业1. implement a plan to research and select a new or used automobile.2. The Lease vs. Purchase Analysis西南政法大学教案周 次第 8 周，第 1 次课编写时间2007年8月21日章节名称Chapter 5 Making Automobile and Housing Decisions授课方式课堂讲授（），实践课（ ）教学时数2时间分配授课要点教学内容的重点和难点5.3 Meeting Housing Needs: Buy or Rent?5.3.1 What Type of Housing Fits Your Needs?5.3.2 The Rental Option5.4 How Much Can You Afford?5.4.1 Benefits of Owning A Home5.4.2 The Cost of Home Ownership5.4.3 Points and Closing Costs5.4.5 Mortgage Payments5.4.6 Rent or Buy Decision case study1.5教学内容的深化和拓展Rent or Buy Decision0.5本单元的教学手段（采用启发式、讨论式、研究式等教学方法情况及教学仪器设备）采用多媒体教学课堂讲授为主，同时采用启发式、讨论式教学师生活动设计Case study: Rent or Buy Decision思考题或作 业1. Identify housing alternatives, assess the rental option, and perform a rent-or-buy analysis.2. Choose mortgage financing that meets your needs.西南政法大学教案周 次第 9 周，第 1 次课编写时间2007年8月21日章节名称Chapter 6 Managing Credit授课方式课堂讲授（），实践课（ ）教学时数2时间分配授课要点教学内容的重点和难点6.1 The Basic Concepts of Credit6.1.1 Why borrow?6.1.2 Improper uses of Credit6.1.3 Establishing Credit6.2 Types of Open Account Credit6.2.1 Bank Credit Cards6.2.2 Other Credit Cards and Charging Accounts6.2.3 Debit Cards6.3 Obtaining and Managing Open Account Credit6.3.1 Opening an Account6.3.2 The Credit Decision6.3.4 Computing Finance Charges6.4.4 Managing Your Credit Cards1.5教学内容的深化和拓展Computing Finance ChargesManaging Your Credit Cards0.5本单元的教学手段（采用启发式、讨论式、研究式等教学方法情况及教学仪器设备）采用多媒体教学课堂讲授为主，同时采用启发式、讨论式教学师生活动设计Case study: computing finance charges思考题或作 业1. describe the reasons for using consumer credit, and identify its benefits and problems.2. develop a plan to establish a strong credit history.3. distinguish among the different forms of open account credit.西南政法大学教案周 次第 10 周，第 1 次课编写时间2007年8月21日章节名称Chapter 6 Managing Credit授课方式课堂讲授（），实践课（ ）教学时数2时间分配授课要点教学内容的重点和难点6.5 Using credit Wisely6.5.1 Shop Around For The Best Deal6.5.2 Avoiding Credit Problems6.5.3 Important Consumer Credit Legislation6.6 Using Consumer Loans6.6.1 Basic Features of Consumer Loans6.6.2 Using Consumer Loans wisely6.6.3 Single- payment Loans6.6.4 Installment Loans1.5教学内容的深化和拓展Avoiding Credit ProblemsUsing Consumer Loans0.5本单元的教学手段（采用启发式、讨论式、研究式等教学方法情况及教学仪器设备）采用多媒体教学课堂讲授为主，同时采用启发式、讨论式教学师生活动设计Case study: using consumer loans思考题或作 业1. describe the reasons for using consumer credit, and identify its benefits and problems.2. develop a plan to establish a strong credit history.3. distinguish among the different forms of open account credit.西南政法大学教案周 次第 11 周，第 1 次课编写时间2007年8月21日章节名称Chapter 7 Managing Insurance Needs授课方式课堂讲授（），实践课（ ）教学时数2时间分配授课要点教学内容的重点和难点7.1 Basic Insurance Concepts7.1.1 the Concept of Risk7.1.2 Underwriting Basics7.2 Insuring Your Life7.2.1 Why Buy Insurance?7.2.3 How much Life Insurance is right for you?7.2.4 What Kind of Policy is Right for You?7.2.5 Key Features of Life Insurance Policies1.5教学内容的深化和拓展How much Life Insurance is right for you?0.5本单元的教学手段（采用启发式、讨论式、研究式等教学方法情况及教学仪器设备）采用多媒体教学课堂讲授为主，同时采用启发式、讨论式教学师生活动设计Case study: How much Life Insurance is right for you?思考题或作 业1. Explain the concept of risk and the basics of insurance underwriting.2. Discuss the primary reasons for life insurance and identify those who need coverage.3. Calculate how much life insurance you need.西南政法大学教案周 次第 12 周，第 1 次课编写时间2007年8月21日章节名称Chapter 7 Managing Insurance Needs授课方式课堂讲授（），实践课（ ）教学时数2时间分配授课要点教学内容的重点和难点7.3 Insuring Your Health7.3.1 The Importance of Health Insurance Coverage7.3.2 Health Insurance Plans7.3.4 Health Insurance Decisions7.3.5 Medical Expense Coverage and Policy Provisions7.3.6 Long term Insurance 7.4 Protecting Your Property7.4.1 Basic Principles of Property Insurance7.4.2 Homeowners Insurance7.4.3 Automobile Insurance 7.4.4 Other Property and Liability Insurance7.4.5 Buying Insurance and Setting Claims1.5教学内容的深化和拓展Long term care insurance ; property insurance0.5本单元的教学手段（采用启发式、讨论式、研究式等教学方法情况及教学仪器设备）采用多媒体教学课堂讲授为主，同时采用启发式、讨论式教学师生活动设计Case study: Do you need long term care insurance?思考题或作 业1. Analyze your own health insurance needs and explain how to shop for appropriate coverage.2. Assess the need for and features of long term care insurance.3.discuss why having adequate health insurance is important and identify the factors contributing to the growing cost of health insurance.西南政法大学教案周 次第 13 周，第 1 次课编写时间2007年8月21日章节名称Chapter 8 Managing Investment授课方式课堂讲授（），实践课（ ）教学时数2时间分配授课要点教学内容的重点和难点8.1 Investment Planning 8.1.1 The Objective and Rewarding of Investing8.1.2 Security Markets8.1.3 Making Transactions in the Securities Markets8.1.4 Becoming an Informed Investor8.1.5 Online Investing8.1.6 Managing Your Investment Holdings8.2 Investing in Portfolios8.2.1 Some Basic securities: Bond, Stock, Mutual Fund8.2.2 Developing and managing portfolios1.5教学内容的深化和拓展Managing Your Investment Holdings; Developing and managing portfolios0.5本单元的教学手段（采用启发式、讨论式、研究式等教学方法情况及教学仪器设备）采用多媒体教学课堂讲授为主，同时采用启发式、讨论式教学师生活动设计Case study: Managing Your Investment Holdings; Developing and managing portfolios思考题或作 业1. Discuss the role that investing plays in the personal financial planning process and identify several different investment objectives.2. Develop an appreciation of how various forms of investment information can lead to better investing skills and return.3. Descrilbe an investment portfolio and how youd go about developing and managing a portfolio of securities.西南政法大学教案周 次第 14 周，第 1 次课编写时间2007年8月21日章节名称Chapter 9 Retirement and Estate Planning授课方式课堂讲授（），实践课（ ）教学时数2时间分配授课要点教学内容的重点和难点9.1 Planning for Retirement 9.1.1 an Overview of Retirem