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西方发达国家的理财模式大致可分为两种:独立理财体系和机构内部理财体系。目前,约有2/3的理财师从属于前者,1/3的理财师从属于后者。随着我国经济的高速增长,居民家庭积累的财富呈大幅增长趋势,使得国内个人理财业有着巨大的发展空间。本文认为本硕层次理财专业主要是培养在独立理财体系工作的从业者,其教学内容应与金融理财师(AFP)和国际金融理财师(CFP)的标准相衔接。
Western developed countries can be divided into two types of financial management model: an independent financial management system and internal financial management system. Currently, about two-thirds of financial planners are subordinate to the former and one-third of financial planners are subordinate to the latter. With the rapid economic growth in our country, the wealth accumulated by households and families shows a tremendous increase trend, making the domestic personal financial industry a huge space for development. This paper argues that this major level of financial management major is to cultivate practitioners in the independent financial management system, and its teaching content should be linked with the standards of Financial Planner (AFP) and International Financial Planner (CFP).