FP3級 過去問 2024 解説付き FP3試験

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Iqukethe izikhangiso

Mayelana nalolu hlelo lokusebenza

Ukufunda ngesivinini kwezinga le-FP3 elijwayelekile!
Uhlelo lokusebenza lokulungiselela ukuhlolwa kwezinga le-FP3 elikuvumela ukuthi uxazulule imibuzo edlule ngesikhathi sakho esikhululekile futhi ufunde. Imibuzo ekhethwe ngokucophelela evame ukuvela esivivinyweni.
Ngencazelo enemininingwane.

【Isici】
・ Njengoba kunemibuzo emi-5 kuye kweyi-10 emkhakheni ngamunye, ungakwenza kalula.
・ Izovela ngokushesha ngemva kwempendulo, hhayi ngemva kokuba incazelo isixazululiwe.
・ Yonke imibuzo inezincazelo ezinemininingwane.
· Ekugcineni, ungabona impumelelo yakho ngokuqhathanisa izinga lokuphasa lokuhlolwa.


[Incazelo yohlelo lokusebenza]
Ukuze uphumelele ukuhlolwa kwezinga le-FP3, kuyadingeka ukufunda izifundo ezihlukahlukene. Ngakho-ke, "ukusebenza kahle" kokutadisha kubaluleke kakhulu. Kuthiwa ukuthunjwa kokuhlolwa kwezinga le-FP3 kuqala ngemibuzo edlule kugcine ngemibuzo edlule.
Ngokuxazulula izinkinga zalolu hlelo lokusebenza ngokuphindaphindiwe, ungathola ulwazi futhi uxazulule amaphethini.

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【ikholomu】
~ Kulabo abahlose i-FP3 grade ~

Uma ucabanga ngokuthola i-Financial Planner yeBanga lesi-3 (ngemuva kwalokhu ebizwa ngokuthi yi-FP3), kubalulekile ukuqonda ubunzima bokuhlolwa, izinzuzo zokuthola iziqu, kanye nokuqukethwe yisivivinyo. Kulesi sihloko, sizobethula.

・ Izinga le-FP3 liyiziqu ezingaphasiswa ngisho nokuzifundela wena!
Izinga le-FP3 lithathwa njengeziqu ezethulo ze-FP futhi lingatholwa ngokuzifundela.

Izinga lokuphasa esivivinyweni sakamuva se-FP3 singama-70 kuye kwangama-80%. Leli izinga lokuphasa eliphezulu kakhulu uma liqhathaniswa nezinye izivivinyo zeziqu ezifana ne-ejenti yezindlu, i-administrative scrivener, kanye ne-Nissho Bookkeeping yebanga lesi-3.

Uma ufunda kahle, cishe uzophumelela.

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① Izinzuzo zokuthola ibanga le-FP3

Ubuhle bokuthatha ikilasi le-FP3 ukuthi ungathola ulwazi olubanzi lwezezimali oluhlobene nemali nokuphila. Uma kukhulunywa ngemicimbi yempilo efana nempesheni, umshwalense wempilo namafa kuningi okumele kubhekwe ngemali.

Imvamisa, ngemuva kokuhlangana nomcimbi onjalo, kuzofanela ufunde incwadi noma useshe ku-inthanethi ngokushesha, kepha uma une-FP3 level, uzokwazi ukuqonda indlela ephumelela kakhulu yokubhekana nomcimbi onjalo wokuphila. .

Ngaphezu kwalokho, njengoba ithuthukisa ukuphathwa kwemali, omama bamakhaya bangayisebenzisa ukuze baphathe izimali zabo zasekhaya. Ulwazi lwe-FP lungasetshenziswa ekuphileni kwansuku zonke.

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② Izinzuzo zezinga le-FP3 lebhizinisi

I-FP3 isiqu esikunikeza ulwazi oluhlukahlukene oluhlobene nemali nokuphila. Uma kunjalo, bekungeke kwenzeke yini ukwenza umsebenzi onjengokubonisana ngezenzakalo zokuphila ezifana nomshwalense wokuphila, impesheni namafa? Akukhona yini lokho okucabangayo? Impela, i-FP yenza lolo hlobo lomsebenzi. Ngeshwa, ulwazi lwezinga le-FP3 alwanele ukwenza umsebenzi onjalo okhethekile ngemali.

Futhi, noma ngabe ubhala "i-FP3 level acquisition" ku-resume yakho, ngeke kube nenzuzo ekutholeni umsebenzi noma ekushintsheni imisebenzi. Iziqu ze-FP zingasetshenziswa emsebenzini ku-Level 2 noma ngaphezulu.

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③ Kufanele ngilithathephi ikilasi le-FP3?

Uma ngicabanga ngokuthatha ukuhlolwa kwezinga le-FP3, ngikhathazeka ngokuthi kufanele ngenze i-Kinzai Institute for Financial Affairs noma i-NPO Japan Financial Planners Association (Japan Financial Planners Association). Phakathi kwabahloli, kukhona abantu abambalwa abakhathazekile "nge-Kinzai noma i-Japan FP Association".

Ngaphambi kokuthatha ukuhlolwa kwezinga le-FP3, kubalulekile ukuqonda umehluko phakathi kwalezi zikhungo ezimbili.

・ I-FP yake yaba yiziqu zangasese
I-FP technician level 1 to 3, esetshenziswa yi-Kinzai kanye ne-Japan FP Association isikhungo sokuhlola esiqokiwe. Ukuhlolwa kwe-FP ekuqaleni kwakuyiziqu zangasese. Ngokungafani neziqu zikazwelonke, iziqu ezizimele ziqhutshwa izikhungo ezahlukene ezinamagama ahlukene. I-Kinzai kanye ne-Japan FP Association nabo bake badala iziqu zabo ezizimele kanye nama-FP agunyaziwe.

Kodwa-ke, kusukela ngo-April 2002, kwasungulwa iziqu zikazwelonke ze-"FP Technician", futhi umsebenzi wanikezwa izikhungo ezimbili ezikhethiwe zokuhlola. Ngalezi zizathu, iKinzai kanye neJapan FP Association manje sebeyakwazi ukwenza ukuhlolwa kochwepheshe be-FP.

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④ Uyini umehluko?

I-Kinzai kanye ne-Japan FP Association ngayinye yenze izivivinyo ezihlukene. Ngisho nangemva kokuhlanganiswa neziqu ezifanayo, ngasinye sinezivivinyo ezihlukene. Umehluko phakathi kwalezi zivivinyo ezimbili okuqukethwe yisivivinyo.

Ochwepheshe be-FP banokuhlolwa okubhaliwe kanye nokuhlolwa okusebenzayo. Lokhu kuyiqiniso nge-FP3, 2nd kanye nekilasi loku-1. Kulokhu, ukuhlolwa okubhaliwe kuvamile ku-Kinzai kanye ne-Japan FP Association. Isikhathi esinqunyiwe yimizuzu eyi-120 futhi imibuzo engama-60 izobuzwa. Ungaphumelela ukuhlolwa uma ukwazi ukuphendula amaphuzu angama-36 noma ngaphezulu ngendlela efanele emaphuzwini amaningi angama-60.

Izivivinyo ezingokoqobo azivamile phakathi kwe-Kinzai ne-Japan FP Association.
Inani lemibuzo kanye nendlela yokubhala kwehlukene. Yingakho ngayinye idala izinkinga zayo. Nokho, bobabili banezinga elifanayo lobunzima.

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⑤ Ngemva kwakho konke, iyiphi engcono?

Ngakho-ke, ingabe wenza umehluko ukuthi iyiphi oyikhethayo? Kunemibono ngalokhu, kokubili ngokungafani nangaphandle kokungafani. Nansi imibono yabo:


I-Kinzai inezinkinga ezimbalwa, futhi i-Japan FP Association inezinkinga eziningi. Uma uwuhlobo olungaxazululwa ngokushesha, i-Japan FP Association iyanconywa. I-Japan FP Association inenani elikhulu lemibuzo, ngakho inani lamaphuzu abiwe lincane, ngakho-ke noma wenza iphutha, akunakwenzeka ukuthi libulale. Futhi ngokuphambene. Kufanele ukhethe ukuthi iyiphi oyithandayo.


Izinga liyafana, ngakho liyafana noma ngabe uthatha liphi. Kulula kakhulu ukuphumelela ukuhlolwa uma uchitha leso sikhathi ufunda kunokuba uchithe isikhathi ukhathazekile ngokuthi uzothatha yiphi.


Njengoba kungekho okulungile, kungcono ukubhekisela embonweni ngamunye bese ukhetha.

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⑥ FP3 okuqukethwe ukuhlolwa

Ake sibheke ukuhlolwa ngakunye.

[Ukuhlolwa okubhaliwe kwezinga le-FP3]
Izivivinyo zezemfundo zijwayelekile e-Kinzai nase-Japan FP Association, kodwa imibuzo isekelwe ezinhlobonhlobo zokuqukethwe, okufana nalokhu okulandelayo.

・ Ukuhlelwa kwempilo nokuhlelwa kwezimali (umshwalense wezenhlalakahle, impesheni, njll.)
・ Ukulawulwa kobungozi (indlela yokubiyela ubungozi ngomshuwalense wempilo, njll.)
Ukuphathwa kwempahla yezezimali (indlela yokutshala imali ngempumelelo)
· Ukuhlelwa kwentela (intela yeholo, intela yomhlali, njll.)
・ Izindlu ezithengiswayo (izindawo ezithengiswayo, njll.)
・ Ifa/ukulandelana kwebhizinisi (ifa, umnikelo, njll.)


[Ukuhlolwa okusebenzayo kwe-FP 3rd grade kanye nomehluko wako]
Ukuhlolwa okusebenzayo kunokuqukethwe okuhlukile kwe-Kinzai kanye ne-Japan FP Association, kodwa kuzothathwa ebangeni lokuhlolwa kokuhlolwa kwezemfundo. Kuyini okuqukethwe ngakunye?


I-Kinzai inikeza izinhlobo ezimbili zamasevisi: isevisi yokubonisana nempahla yomuntu siqu kanye nesevisi yokubonisana nempahla yamakhasimende yomshwalense. Uzobuzwa ngezinto ezihlobene nohlelo lwakho lwempilo yomuntu siqu, njengempahla yezezimali nezindawo ezithengiswayo, nokugxila kwakho kumshwalense uwonke, njengomshwalense wempilo.


Ku-Japan FP Association, umsebenzi wesiphakamiso sokuklanywa kwempahla ngumbuzo. Uzocelwa ukuthi wenze izinqubo zokuhlela izimali ezilungile, uhlaziye futhi uhlole izimo zamaklayenti.

Ungase ungakwazi ukucabanga okuqukethwe ukuhlolwa okusebenzayo ngalokhu nje. Uma kunjalo, kungcono ukubheka inkinga yangempela. Ungayilanda mahhala kuwebhusayithi esemthethweni, ngakho hlola imibuzo yesivivinyo esidlule bese uqhathanisa umehluko.

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⑦ Ubunzima bezinga le-FP3

Ukuhlolwa kwezinga le-FP3 kugcwele ulwazi lwezezimali, ngakho-ke uma ubheka nje ukubuka konke, kungase kubonakale kunzima. Kodwa-ke, njengoba izinga le-FP3 liyiziqu eziyisingeniso, alidingi okuqukethwe okukhethekile kakhulu, futhi imibuzo ngokuvamile iyalungiswa. Izinga eliphezulu lokuphasa eselethuliwe likhombisa ukuthi ukuhlolwa akunzima neze.

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⑧Isifinyezo
Kuze kube manje, sethule "izinzuzo zokuthola", "ubunzima", "mayelana nokuhlolwa" kwezinga le-FP3.

Izinga lobunzima bezinga le-FP3 aliphezulu, futhi akunzima ukulithola ngisho noma usebenza njengelungu lomphakathi. Ngaphezu kokungabi nobunzima obuphezulu, okunye okukhangayo ukuthi kunezinto eziningi ezingasetshenziswa ngempumelelo ekuphileni kwansuku zonke. Kungani nonke ningacabangi ngokuthola ikilasi le-FP3?

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