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案例概要刘先生,39岁,市政府部门主管,本科学历,国家公务员,月收入5000元。妻子38岁,某医院医生,本科学历,月收入4000元。儿子8岁,在读小学三年级。一家三口基本生活每月开支3000元,休闲娱乐1000元,双方父母生日及过节孝顺老人每年支出约1万元,每年购置衣物及其他开销花费约1万元。拥有产权房一套,市值约30万元;银行存款有20万元,其中3万元活期存款,17万元定期存款;开放式基金5万元,由于基金近期表现不佳,现市值约4万元,公积金金额为8万元,二人每月缴存3500元;夫妻双方单位均为二人购买了社会保险。
Case Summary Mr. Liu, 39, director of municipal government department, bachelor degree, national civil servant, monthly income of 5,000 yuan. His wife is 38 years old, a hospital doctor, bachelor degree, monthly income of 4,000 yuan. My son is 8 years old and is in third grade. A family of three basic monthly expenditure of 3,000 yuan, 1,000 yuan entertainment, both parents birthday and festive elderly annual expenditure of about 10,000 yuan, annual purchase of clothing and other expenses spent about 10,000 yuan. Owned property rights, a market value of about 300,000 yuan; bank deposits of 200,000 yuan, of which 30,000 current deposits, 170,000 yuan of time deposits; open-end funds 50,000 yuan, due to the fund’s recent poor performance, the current market value of about 4 10,000 yuan, the amount of provident fund is 80,000 yuan, two people deposit 3,500 yuan a month; both husband and wife units are two for social insurance.