金融学专业外文翻译------个人理财规划参考模型-金融财政(编辑修改稿)

金融学专业外文翻译------个人理财规划参考模型-金融财政(编辑修改稿)内容摘要：

mathematical models。 • ensure objectiveness and pleteness of the results by paring expert estimations and results from mathematical models。 • time and costs of the decision making process is significantly reduced, while the quality of the decisions is increased. A reference model describes a standard deposition of a known problem domain into a collection of interrelated parts, or ponents, that cooperatively solve the problem. It also describes the manner in which the ponents interact in order to provide the required functions. A reference model is a conceptual framework for describing system architectures, thus providing a highlevel specification for a class of systems Reference model ling can be divided into two groups (Fettke and Loos 2020): investigation of methodological aspects (e. g. Lang et al. 1996。 Marshall 1999。 Remme 1997。 Sch252。 tte 1998), and construction of concrete reference models (e. g. Becker and Sch252。 tte 2020。 Fowler 1997。 Hay 1996。 Scheer 1994). To the best of our knowledge, there is no reference model for personal financial planning. Our reference model for personal financial planning consists of an analysis model for the system analysis of a personal financial planning system and of corresponding system architecture of an information system for personal financial planning. Requirements for a Reference Model for Personal Financial Planning Our reference model for personal financial planning should fulfill the following requirements concerning the input, data processing, and output: the input has to be collected in a plete, . adequate to the purpose, way. The input data have to be collected from the client and/or from institutions that are involved in this process. Such institutions may be Saving Banks, Mortgage Banks, Life Insurances, Car Insurances, Provider of Stock Marked quotations, Pension Funds, etc. This stage is time consuming and the quality of the financial plan is dependent on the pleteness and correctness of the collected input data. Data processing (I . e. data evaluation and data analysis) have the task to process the input data in a correct, individual, and worked way. Correct means that the results have to be precise and errorfree according to accepted methods of financial planning. Individual means that the concrete situation with all its facets has to be centre in the planning, and that it is forbidden to make generalizations. The output has to be coherent and clear. Analysis Model Main task of an analysis model for personal financial planning is to help financial planners to consult individuals to properly manage their personal finances. Proper personal financial planning is so important because many individuals lack a working knowledge of financial concepts and do not have the tools they need to make decisions most advantageous to their economic wellbeing. For example, the Federal Reserve Board’s Division of Consumer and Community Affairs (2020) stated that “financial literacy deficiencies can affect an individual’s or family’s daytoday money management and ability to save for longterm goals such as buying a home, seeking higher education, or financial retirement. Ineffective money management can also result in behaviours that make consumers vulnerable to severe financial crises”. Our reference model for personal financial planning consists of two parts 1. Analysis model which can help financial planners to do personal financial planning. 2. System architecture which can help system developers to develop logical models at the design stage of system development. The analysis model of our reference model for personal financial planning consists of the following parts: Use Cases build the dynamic view of th。