[雙語翻譯]個人理財外文翻譯--研究生個人理財態(tài)度的初步研究

1、2850 英文單詞， 英文單詞，16000 英文字符，中文 英文字符，中文 4750 字文獻(xiàn)出處： 文獻(xiàn)出處：Murphy D S, Yetmar S. Personal financial planning attitudes: a preliminary study of graduate students[J]. Management Research Review, 2010, 33(8): 811-817.Personal f

2、inancial planning attitudes: a preliminary study of graduate studentsDavid S. Murphy ; Scott YetmarAbstractPurpose – The purpose of this paper is to report on a survey about the personal financial planning attitudes of M

3、BA students in the USA.Design/methodology/approach – The study surveyed 206 MBA students about their attitudes to personal financial planning. Participants were asked about their level of knowledge, whether they had prep

4、ared components of a financial plan, where they might seek assistance in such a process and the criteria for selecting a financial planner. In addition, participants were asked to indicate their level of confidence in a

5、financial plan’s capacity to help them meet their long-term needs and the likelihood that they would implement such a plan.Findings – The findings indicate that, while most respondents feel both that financial planning i

6、s important and that they are interested in developing a financial plan, very few feel that they have the necessary skills and knowledge to prepare their own plan. In addition, the participants indicated a strong prefere

7、nce for professional personal financial planning advice. The study also indicates that less than 13 percent have prepared a comprehensive personal financial plan. When asked to identify the one professional from whom the

8、y would seek advice, certified financial planners were the preferred resource. Research limitations/implications – While the results are not generalizable to the wider population, the views of this group are important be

9、cause one might expect that educated individuals would be both more interested in personal financial planning and more capable of preparing their own plans compared with average Americans.Practical implications – The stu

10、dy presents some implications for practice and financial literacy education from a US perspective.Originality/value – A perceived need of respondents is to feel that their financial planner will put their needs first. Wh

11、ile some professionals believe this to be the hallmark of ‘‘independence,’’ the respondents placed less importance on planner independence. In order to foster client confidence, planners must act in ways that convey clea

12、rly the primacy of their clients’ needs.Keywords: Graduates, United States of America, Financial services, Personal financeIntroductionThe need for financial security, especially during retirement years, has been met his

13、torically in the United States (USA) in three ways: personal savings (including insurance and annuities), social insurance programs like social security and employer- sponsored pension programs. Employer-sponsored pensio

14、n programs have been the cornerstone of these financial security tools. Consequently, pension programs have been the target of continual legislative actions. The Employee Retirement Income and Security Act of 1974 made s

15、ignificant and wide-sweeping changes that affected most aspects of corporate and self-employed pension programs (that is, legal, tax, investment and actuarial) and initiated 401(k) programs. These changes lead to an incr

16、ease in the popularity of defined-contribution pension plans.Number of participants n=206Female 104 50.98Male 102 49.02Mean age 29.1 years –Highest educational level Bachelor’s degree 171 85.9Master’s degree 23 11.6Docto

17、ral degree 5 2.5Mean years of work experience 6.5 years –Number employed in accounting or finance 25 12.25Mean annual income (USD) 47,558 –Attitudes toward planningParticipants were asked specifically· whether they

18、thought that preparing a personal financial plan was important;· whether they were interested in preparing such a plan;· whether they had time to do so; and· whether or not they felt that they had the nece

19、ssary skills and knowledge to prepare a personal financial plan.The results of these four questions are summarized in Table III.Table III. Financial planning interest and knowledgeAffirmative responses (%)Personal financ

20、ial planning is important 156 75.7Interested in personal financial planning 138 67Have the time to prepare a personal financial plan 83 40Have the skills and knowledge to prepare a personal financial plan 68 33It is inte

21、resting to note that the percentage of participants who indicated that they had the skills and knowledge necessary to prepare a personal financial plan (33 percent) is slightly lower than the percentage of Americans in t

22、he University of Michigan study who had tried to calculate their retirement fund needs (Employee Benefit News, 2005). Of the 68 participants who indicated that they had the necessary skills and knowledge to prepare a per

23、sonal financial plan, 47 indicated employment in accounting or finance positions.Only 69 of the subjects (33.5 percent) indicated that they had prepared a written, comprehensive personal financial plan. A complete financ

24、ial plan addresses many issues, some of which are not applicable to all individuals. Consequently, the participants were also asked to identify plan components that they had prepared. These results are summarized in Tabl

25、e IV.As evident in Table IV, the participants in the study have not prepared many of the components of a comprehensive financial plan. About the same percentage of participants who reported that they had the skills and k

26、nowledge needed to prepare a financial plan (33 percent) had actually prepared such a plan (33.5 percent). Approximately one in five participants had prepared an educational funding analysis.This percentage may be artifi