Fiscal Year 2010
Fiscal Year 2010
(April 2010 - March 2011)
AOTS Training Program in Japan ―Training Activities for Human Resource Development―
I. Preface ……Page 1
II. Application Procedure ……Pages 2 to 3 III. Schedule of General Orientation Courses ……Pages 4 to 5 IV. Schedule of Management Training Courses ……Pages 6 to 8
V. Schedule of the Host Company Briefing Meetings,
Screening Committee Meetings and Certificate Awarding Ceremonies
9
……Page
Overseas Technical Scholarship (AOTS)
for
Association
The
30-1, Senju-azuma 1-chome, Adachi-ku, Tokyo 120-8534, JAPAN
Scholarship Administration Group
Scholarship Administration Division
TEL: 81-3-3888-8221
FAX: 81-3-3888-8242
URL: http://www.aots.or.jp
I. Preface
January 2010 The Association for Overseas Technical Scholarship, AOTS for short, was established in 1959 under the approval of the Japanese Ministry of International Trade and Industry (the current Ministry of Economy, Trade and Industry) as the first private organization to provide technical assistance. Since then, under the cooperation between the public and private sectors with Japanese government subsidy such as from the budge of Official Development Assistance (ODA), AOTS has been conducting training programs to help developing countries nurture engineers and managers, thereby contributing to the development of these countries through technical transfer and enhancing mutual understanding and friendly relations between them and Japan.
Although, during the past years, many developing countries in Asia have achieved a remarkable economic development, further technical assistance in human resource development through public-private partnership is strongly required to make such development sustainable as well as to support African and other countries in the world. In this sense, expectations for AOTS still remain high.
This booklet provides information on training courses under the AOTS Training Program in Japan scheduled for fiscal year 2010.
Under the Training Program in Japan, there are two types of training: technical training and management training. Technical training is an integrated training form consisting of an introductory program called the General Orientation Course and specialized technical training conducted at the host company to acquire technical skills, whereas management training is designed to learn management skills and techniques such as business management and production management through lectures, exercises, and factory visits. Management training can be combined with specialized technical training
The General Orientation Course aims to provide participants with Japanese proficiency and the understanding of the Japanese society, industry and culture, which are necessary to smoothly attend the technical training at their host companies. There are three types of General Orientation Course: 13-week (J13W), 6-week (J6W), and 9-day (A9D/9D).
Meanwhile, the Management Training Courses will be offered in different languages for targeting participants in different positions in organizations, and in different subjects such as corporate management, quality management, and workshop improvement, with the focus on management skills and techniques employed by Japanese companies.
Training courses listed in this booklet are those currently scheduled for the next fiscal year. Any additions will be announced on our website.
We hope that the AOTS Training Program in Japan will help many companies and organizations develop human resources in developing countries.
The Association for Overseas Technical Scholarship
II. Application Procedure
1. Training Course Reservation
1) General Orientation Course
(1) AOTS will begin accepting General Orientation Course reservations for fiscal 2010 by FAX and
other means.
(2) The deadline for reservation for each course is provided in the “Schedule of General Orientation
Courses” on page 5.
(3) Please note that the “Reservation Form for Participation in a Training Course” (hereinafter called
the “Reservation Form”) and “Training Schedule (Detailed)” have been revised (the forms can be downloaded from AOTS’s website).
(4) In line with the revision of the Japanese Immigration Control Act, several items such as
“responsible person for daily life” have been added to the Training Schedule (Detailed).
(5) For inviting trainees from China, the “Training Schedule (Detailed)” (for Chinese trainees), and a
document confirming that the service transaction concerned does not require permission or indicating that permission has been obtained for the provision of technology should be submitted at the time of, or as soon as possible after, the submission of the Reservation Form (for Chinese trainees).
(6) A “Reservation Form” should be submitted for each training plan for the same type of General
Orientation Course (J13W, J6W, 9D or A9D) in the same language that starts on the same day.
Separate “Reservation Forms” should be prepared for different sending companies. In principle, the “Reservation Form” should be submitted four months before the starting date of the training course concerned.
(7) After application is closed, AOTS will fax the host company an “Acceptance of Reservation Form”
for an application accepted by AOTS. AOTS may sometimes ask the host company to change the timing of the training, the number of participants, etc.
(8) For companies and organizations applying for the AOTS training scheme for the first time, AOTS
will visit their headquarters or offices in order to check the training environment and conditions.
In this case, the reservation should be submitted well in advance.
2) Management Training Course
(1) The opening and closing dates of application for each training course are specified in the “Schedule
of Management Training Courses” on page 6 and after.
(2) The qualifications of participants for the Management Training Course differ according to the training course.
Please check that the applicant satisfies the qualifications and send a “Reservation Form” with the “Enquiry into Trainee’s Personal Record and Training Contract” by fax before the closing date of application for the training course concerned.
(3) After application is closed and the qualifications of applicants and other items are checked, AOTS
will fax the host company an “Acceptance of Reservation Form” for an application accepted by AOTS. The number of participants for the same host company or from the same sending company may be limited when necessary.
(4) Overseas companies and organizations may apply for a Management Training Course directly to
AOTS. For details, please contact the Scholarship Administration Group (TEL: 81-3-3888-8214). * If the number of applicants is below the maximum number of participants, applications may be accepted even after the closing date for the General Orientation and Management Courses. Please contact AOTS for details.
3) Where to submit the Reservation Form:
Scholarship Administration Group, Scholarship Administration Division
TEL: 81-3-3888-8221FAX: 81-3-3888-8242
2. Submission of Application Documents
After receiving the “Acceptance of Reservation,” please prepare the following application documents.
1) Documents to be submitted
①Official application form (with two photographs of the trainee)
……to be prepared by the host company
②Enquiry into Trainee’s Personal Record and Training Contract
……to be prepared by the trainee/sending company
③ Medical Certificate
……to be prepared by a medical institution
(If the total training period is 30 days or less, a medical check sheet is also acceptable.)
④ Training Schedule (Detailed) *A separate form is available for Chinese trainees.
……to be prepared by the host company
⑤Overseas Travel Insurance Consent Form
……to be prepared by the trainee
⑥Handling of Personal Information
……to be prepared by the trainee/host company
① Training cost statement
(Required when the sending company bears part or the total amount of the Contributions.)
② Company brochure, documents about corporate history, a copy of the company registration,
financial statements (closing statements)
*These documents are required when a company uses the AOTS scheme for the first time.
*An annual security report can be submitted instead of the last three documents.
③ Other documents
A joint-venture agreement, technical assistance agreement, document indicating the
investment ratio to the sending company, documents related to the specialized technical
training, pre-training report (for Management Training Courses only) and a copy of the
trainee’s ID card (for Chinese trainees only)
Note: Please make copies of the application documents before submitting them to AOTS and retain them because they will not be returned to the company.
2) When to submit the application documents
Considering the time required for AOTS’s preliminary screening and the Screening Committee Meeting (please refer to the meeting schedule on page 9), the application documents should be prepared and submitted about two months before the starting date of the training course concerned.
Example: The training course starts on July 21.
The Screening Committee Meeting is on May 27. Then, the application documents
should be submitted by May 13.
3) Where to submit the application documents:
Scholarship Administration Group, Scholarship Administration Division
TEL: 81-3-3888-8221FAX: 81-3-3888-8242
*AOTS is committed to managing and protecting personal information contained in the reservation and official application forms in accordance with our privacy policy. Such personal information will be used only for administrative procedures related to inviting trainees or implementing training programs, and for sending information or notices about AOTS’s services and events.
III ．Schedule of General Orientation Courses
1. Outline of the General Orientation Course by Type
[Requirements of participants]
1) In principle, trainees should be citizens of developing countries or regions.
2) Trainees must be 20 or over and 50 or below years of age and should be healthy enough to undergo intensive training.
3) Trainees should be university graduates, or have equivalent academic ability or professional experience, and in managerial, supervisory or leadership posts, or are expected to be in such posts.
Course
type
Duration
Intended participants and participants requirements
Contents
Duration of specialized technical training
Total duration of the training
J13W 13 weeks For trainees requiring sufficient Japanese
language ability in their
specialized technical training
With the aim of acquiring a high level of Japanese proficiency for living and undergoing training in Japan, trainees will learn about 1500 words, 150 sentence patterns and 300 Chinese
characters. They will also deepen their understanding of Japanese society, culture and industry through lectures, company visits and a study tour.
J6W 6 weeks
For trainees requiring a minimum level of Japanese
language ability for living and training in Japan
With the aim of acquiring basic Japanese proficiency, trainees will learn about 800 words, 75 basic sentence patterns, all kana and 100 Chinese characters. They will also deepen their understanding of Japanese society, culture and industry through lectures, company visits and a study tour. (For trainees from countries other than China who do not require the
understanding of kana and Chinese characters in their specialized technical training, this course will be flexibly based on the prior application.) A9D
For trainees having a
certain level of proficiency in Japanese as defined by AOTS *Note 1
Trainees will deepen their understanding of Japanese society, culture and industry through lectures and company visits.
25 days or longer
Within 1 year *Note 2
9D
9 days
When the specialized technical training is done using a language which trainees can understand
Trainees will deepen their understanding of Japanese society, culture and industry through lectures and company visits.
10 days or longer
Within 120 days *Note 2
* Note 1: Proficiency is judged by the “Chukyu (intermediate-level) Completion Test” in the WBT AOTS
Japanese Language Ability Test. The test should be completed online. For details, please contact the following:
Training Support Group
Tel: 81-3-3888-8254 Fax: 81-3-3888-8242
E-mail: jltc@aots.or.jp
URL: http://nihongo.aots.or.jp
* Note 2: Training should end by March 31, 2011.
2. Schedule of General Orientation Courses
13-week course (J13W)
～Finishing date Place Deadline for reservation
～Tue., July 13YKC Available ～Tue., August 17CKC Available
～Tue., September 14KKC February 16, 2010～Tue., December 7
YKC March 8～Tue., January 25, 2011CKC June 20～Tue., March 1
KKC July 24
6-week course (J6W)
～Finishing date Place Deadline for reservation
～Tue., May 25YKC Available ～Tue., June 8KKC Available ～Tue., June 29CKC Available
～Tue., July 13YKC February 2, 2010～Tue., July 27KKC February 16～Tue., August 17CKC March 7～Tue., August 31YKC March 21～Tue., September 14KKC April 4～Tue., October 5CKC April 25～Tue., October 19YKC May 8～Tue., November 9KKC May 29～Tue., November 30CKC June 20～Tue., December 7
YKC June 27～Tue., January 11, 2011KKC July 24～Tue., January 25CKC August 8～Tue., February 1YKC August 15～
Tue., March 1
KKC
September 19
9-day course (A9D & 9D)
～Finishing date Place Deadline for reservation
～Thu., April 15TKC Available ～Thu., May 20TKC Available
～Thu., June 17YKC February 9, 2010～Thu., July 15
TKC March 7～Thu., September 9CKC May 1～Thu., October 7TKC May 29～Thu., October 21KKC June 13～Thu., November 18YKC July 10～Thu., December 2TKC July 24～Wed., December 22CKC August 14～Thu., January 20TKC September 12～Thu., February 3CKC September 26～Thu., February 17CKC October 9～Thu., March 3YKC October 23～
Thu., March 10
CKC
November 2
Note
1) In principle, there is no official program on Sundays, nor at the end or at the beginning of the year.2) The schedule above, including the starting date or place of the course, is subject to change. Any changes will be announced on AOTS's website as well as by other means.
3) Some courses may be added to the schedule above. Please contact the Scholarship Administration Group for details.
4) Courses that include Golden Week holidays or the year-end and New Year holidays have an extra week.
Wed., June 2Wed., June 16Starting date Wed., April 7, 2010Wed., April 21Wed., May 19Wed., April 7 2010Starting date Wed., November 24Wed., October 20Wed., September 8Wed., May 19Wed., June 16
Wed., September 29Wed., October 13Wed., March 2
Wed., November 10Tue., December 14
Wed., January 12, 2011Wed., February 23Wed., November 24Wed., January 26Wed., February 9Wed., October 27Wed., December 8Wed., December 15Wed., January 19
Wed., November 24Starting date Wed., April 7, 2010Wed., May 12 KKC: Kansai Kenshu Center CKC: Chubu Kenshu Center TKC: Tokyo Kenshu Center YKC: Yokohama Kenshu Center Wed., June 9Wed., July 7
Wed., September 1Wed., October 20Wed., July 7Wed., August 25Wed., September 29Wed., July 21Wed., August 4Wed., September 8
IV. Schedule of Management Training Courses
Aug.Production
Management The Program for
Practical Operations
Management (PPOM)
Enhancement of
capability to
improve operation
at production site
P rimary to Middle
managers at production
sites
Wed., 25th August -
Tue., 14th
September 2010
3W
22nd Mar. 2010
24th May 2010
YKC
Quality Management The Training Course
on Practical Solution of
Quality-Related
Problems (SPQP)
Enhancement of
basic abilities to
solve quality
problems
Managers and
supervisors who wish to
learn basic problem-
solving methods for
quality-related
problems
Wed., 1st - Tue.,
14th September
2010
2W
5th Apr. 2010
7th Jun. 2010
KKC
Quality Management The Executive
Program on Quality
Management (EPQM)
Enhancement of
quality-oriented
management
capability
Owners who are at the
center of management
or top executives who
are responsible for
quality development
and quality
management
throughout the
organization.
Mon., 13th - Sat.,
18th September
2010
6D
5th Apr. 2010
7th Jun. 2010
TKC
Feb.Quality
Management The Quality Control
Training Course
（QCTC）
Enhancement of
ＴＱＭ promotion
capabilities
Managers and/or staff
who are responsible for
the promotion of
TQM/quality control
activities at
manufacturing
companies, with a basic
knowledge of the seven
QC tools
Wed., 23rd Feb.-
Tue., 15th March
2011
３Ｗ
23rd Aug. 2010
25th Oct. 2010
KKC
Mar.Management The Leadership
Program for
Executives (EPLD)
Show various
leadership styles
employed in Japan
and enable
participants to
establish their own
leadership styles to
realize sustainable
development of
their
companies/organiza
tions
Executives or owners of
a company or
organization
Wed., 9th - Tue.
22nd March 2011
2Ｗ
4th Oct. 2010
6th Dec. 2010
TKC
2. Courses in English (for India)
Month Subject Course Title
(abbreviation)
Objective Intended Participants
Opening Date of
Application
Closing Date of Application
Place
Sep.Production
Management The Program on
Production
Management for
Facilitators in India
(INPM)
Enhancement of
facilitator skills to
promote
improvement
activities at
production sites
Middle to senior
managers engaged in
production/factory
management at
manufacturing
companies*
Wed., 29th -
September - Tue.,
12th October 2010
2W
19th Apr. 2010
21st Jun. 2010
TKC
3. Courses in Indonesian (for Indonesia)
Month Subject Course Title
(abbreviation)
Objective Intended Participants
Opening Date of
Application
Closing Date of Application
Place
https://www.sodocs.net/doc/6b18178605.html,anization The Leadership
Development Program
for Indonesia (IDLD)
Enhancement of
leadership to
revitalize
organizations
Supervisors and
managers responsible
for the education and
training of
subordinates in the
workplace
Wed., 23rd June. -
Tue., 6th July 2010
2W
25th Jan. 2010
29th Mar. 2010
KKC
Period
Sep.
Period
Oct.Quality
Management
The Program on Quality Control for Indonesia (IDQC)
Enhancement of quality control and improvement capabilities
Managers and
supervisors engaged in
the promotion of
quality control at
manufacturing companies*Wed., 20th October
- Tue., 2nd
November 2010
2W
17th May 201019th July 2010
YKC
Jan.Production
Management The Program on Production and Operation
Management for
Kaizen Leaders in Indonesia (IDPM)
Enhancement of leadership to promote company-wide Kaizen (improvement)activities Middle to senior
managers responsible for promotion of
company-wide Kaizen (improvement)activities at manufacturing
companies*
Mon., 17th - Fri.,28th January 2011
2W
23rd Aug. 201025th Oct. 2010
YKC
4. Courses in Vietnamese (for Vietnam)
Month
Subject
Course Title (abbreviation)
Objective Intended Participants
Opening Date of Application
Closing Date of Application
Place
May Quality
Management
The Program on Quality Control for Vietnam (VNQC)
Enhancement of ability to build quality into processes
Managers and
supervisors engaged in quality-related activities at manufacturing companies
Thu., 27th May -Wed., 9th July 20102W 25th Jan. 201022nd Mar. 2010
YKC
Jul.Production
Management The Program on
Factory Management
for Vietnam (VNFM)
Enhancement of factory
management ability
Middle to senior
managers and senior engineers engaged in production/factory management at manufacturing companies*
Wed., 21st July -Tue., 3rd August 2010
２W
2nd Feb. 201026th Apr. 2010
KKC
5. Courses in Chinese (for China)
Month
Subject
Course Title (abbreviation)
Objective Intended Participants
Opening Date of Application
Closing Date of Application
Place
Jul.Logistics
Management The Program on Logistics Management
for China （CNLM)Understanding of environmental conscious logistics
and enhancement of comprehensive logistics
management ability
Corporate executives
and managers responsible for logistics
Wed., 7th - Tue.,20th July 2010
2W
8th Feb. 20105th Apr. 2010
YKC
Additional programs and any changes to the programs listed here will be updated on AOTS's website.
Basic qualifications of participants for Management Training Courses:1) Participants should be citizens of developing countries or regions.
2) Participants should be between 25 and 60 years or 55 years of age (PQM, INPM)
or 50 years of age (SHOP) and healthy enough to undergo an intensive training program.
3) Participants should have a sufficient working knowledge of the course language to understand lectures, participate in discussions, and make presentations and reports.
* The respective courses have the additional requirements for the participation; knowledge, experience related to the relevant subject(s). Please refer to the Program Outline of the program concerned.
** Specialized technical training in the relevant field for the participants to improve their management skills can follow the Management Training Course if an application is made by a host company in Japan.
Period
Period
The Program on Production and Operation Management for Kaizen Leaders in Thailand
We will not carry out the following programs in FY2010.
The Program on Production and Operation Management for Kaizen Leaders in Indonesia We will carry out two following programs every other year.
The Program on Production and Operation Management for Kaizen Leaders in Indonesia
V. Schedule of the Host Company Briefing Meetings,
Screening Committee Meetings and Certificate Awarding Ceremonies
1) Host company briefing meetings are held at Tokyo Kenshu Center. If you plan to invite overseas trainees and wish to attend a meeting, please contact the Scholarship Adminstration Group (Tel: 81-3-3888-8221).
2) In principle, certificate awarding ceremonies are held at Tokyo Kenshu Center, but they can also be held at
other AOTS training centers, Yokohama, Kansai and Chubu, upon your request.
Please contact the Training Support Group (Tel: 81-3-3888-8254).
Inquiries:
◆ Head Office
Scholarship Administration Department,Scholarship Administration Division
30-1, Senju-azuma 1-chome, Adachi-ku, Tokyo 120-8534
TEL: 81-3-3888-8221 FAX: 81-3-3888-8242 E-mail: information@aots.or.jp
◆ Overseas Offices
?AOTS Beijing Office 【CHINA】
?AOTS Bangkok Office 【THAILAND】
Beijing Fortune Bldg. Rm.703, 5-hao,14th Fl. SSP Tower 3, 88 Silom Road,Dong-Sanhuan Bei-lu, Chaoyang-qu Suriyawong, Bangruk,Beijing 100004, China
Bangkok 10500, Thailand 北京市朝陽区東三環北路５号
TEL: 66-2-238-5233～34,北京発展大厦703室 郵政編碼 100004
66-2-268-0784TEL: 86-10-6590-8265～66 FAX: 86-10-6590-8267FAX: 66-2-634-1200E-mail: info@https://www.sodocs.net/doc/6b18178605.html,
E-mail: aots@loxinfo.co.th
?AOTS Jakarta Office 【INDONESIA】
?AOTS New Delhi Office 【INDIA】
6th Floor, Summitmas I,
Flat No. 1307, 13th Flr., Gopaldas Bhawan,Jalan Jend. Sudirman, Kav. 61-62,28 Barakhamba Road,Jakarta, 12190, Indonesia New Delhi 110001, India
TEL: 62-21-522-6776～6777TEL: 91-11-2370-4122, 4124～25FAX: 62-21-522-6661FAX: 91-11-23704123
E-mail: aotsjkt@aots.or.id
E-mail: contact@https://www.sodocs.net/doc/6b18178605.html,
?AOTS Manila Office 【PHILLIPPINES】
?AOTS Hanoi Office 【VIETNAM】
18F, Pacific Star Building,
6F-04, Prime Center, 53 Quang Trung St.,Sen. G. Puyat Ave. cor. Makati Ave.Hai Ba Trung District, Hanoi, Vietnam Makati City Phillipines 1200TEL: 84-4-3945-4995 TEL: 63-2-856-1690 / 1691FAX: 84-4-3945-4996FAX: 63-2-856-1692E-mail: info@https://www.sodocs.net/doc/6b18178605.html,.vn
E-mail:aots@https://www.sodocs.net/doc/6b18178605.html,
English Edition Ver.1 2010.01?AOTS All Rights Reserved.
The Association for Overseas Technical Scholarship (AOTS)
2010年高考英语试题及答案(全国卷2)
2010年高考英语全国卷二 https://www.sodocs.net/doc/6b18178605.html,/yyzb/wjxz/2010/06/2010-06-1120293.html 2010年普通高等学校招生全国统一考试（全国卷二） 英语 第一卷（选择题） 第一部分英语知识运用 第一节语音知识（共5小题；每小题1分，满分5分） 从A、B、C、D四个选项中，找出其划线部分与所给单词的划线部分读音相同的选项，并在答题卡上将该项涂黑。 1. come A. cold B. cock C. comfort D. improve 2. dead A. eager B. great C. least D. health 3. united A. use B. ugly C. upstairs D. put 4. ours A. outside B. cousins C. nervous D. clocks 5. thirty A. theatre B. thus C. although D. feather 第二节语法和词汇知识（共15小题；每小题1分，满分15分） 6. --Is it all right if I keep this photo? --______. A. No, you don't B. No, it shouldn't C. I'm afraid not D. Don't keep it 7. Tom was about to close the window his attention was caught by a bird. A. when B. if C. and D. till 8. My mother opened the drawer to the knives and spoons. A. put away B. put up C. put on D. put together 9. Barbara is easy to recognize as she's the only one of the women who evening dress. A. wear B. wears C. has worn D. have worn 10.--Have you finished the book? --No, I've read up to the children discover the secret cave.
(投资理财)闲钱10万一年内如何实现增值
闲钱10万一年内如何实现增值 胡可今年29岁，是一家杂志的编辑，月收入5000元，他和吴小姐经过了长达五年的马拉松式恋爱，两人约定半年之后就登记结婚。吴小姐是一位“售楼小姐”，月收入不太稳定，平均能拿到6000元左右。两人的收入不算低，但他们却非常节俭，没有玫瑰花，也不去西餐厅，为了节约，两人经常在街头的大排档吃拉面，吴小姐已经有半年多没有添置新衣服了——这一切是因为他们正一心一意筹备结婚资金和购房首付款，用胡小姐的话说，现在都快成一家人了，该省的就得省。 考虑购买货币市场基金 胡可和女友年轻、收入稳定、抗风险能力较强，这种情况不一定非要认准储蓄一条路，可以多利用目前银行推出的理财新产品来实现增收。货币市场基金是银行和基金公司推出的一个新的基金品种，它可以像活期存款一样方便，没有各种费用，收益还高于加息后的同期银行储蓄，具有一定。比如，10万元货币基金的年收益一般会在2700元左右，比同期储蓄税后收益高出近千元。 购买人民币理财产品光大银行、民生银行、中信实业银行等金融机构相继推出了人民币理财产品，其综合收益一般比同期储蓄收益率高0.8个百分点，也就是说10万元购买一年期人民币理财产品的收益比同期储蓄高800元。并且加息之后，各家银行都在积极向金融监管部门提出开办人民币理财业务的申请，推出人民币理财产品的银行将更多，者购买此产品也会越来越方便。
考虑两人的综合保障吴女士从事售楼工作，属于流动性比较强的，养老保障和医疗保障可能不如胡先生，所以，她可以从积蓄或后续收入中拿出部分资金适当购买养老保险和医疗保险，从而为婚后生活提供保障。胡先生从事传媒工作，的也非常激烈，他可以考虑以进修、考研等形式来提升自己，从而发挥的顶梁柱作用，使婚后的生活越来越好。
2010年全国高考英语试题及答案-全国2贵州卷
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投资理财案例分析
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（四）附表 六、风险测试 （一）主观因素 （二）客观因素 七、家庭成员保险规划 八、购房投资规划 九、子女教育投资规划分析 十、养老退休规划 十一、总结 一、案例简介 李先生和赵女士是一对夫妇，生活在二线城市惠州，今年均为35岁，二人有一可爱的女儿，今年5岁。 李先生在一家私企当主管，月薪15000元（税后），每年年终奖5万元（税后）。赵女士在一家国企当出纳，月薪5000元（税后）。李先生还有一套一居室的房屋用于出租，每月租金2000元。去年，李先生家庭的基金和股票获得收入10000元。 李先生夫妇除了单位给上的社保外并无其他商业保险。李先生夫妇俩目前有活期储蓄10万元，定期存款20万元，货币市场基金5万元。还有市值为10万元的股票和15万元的偏股型基金。 李先生家庭用于出租的一居室目前市场价值60万元；家庭的自住房目前价值120万元，于2010年1月贷款60万元购买，贷款期限20年，等额本息还款，利率7%，目前已还款2年。目前未还贷款本金为570421元。 除此之外，李先生还有一辆价值8万元的轿车。李先生家庭财务支出比较稳定，除了基本的伙食、交通、通讯费用外，就是不定期的服装购置和旅游支出。 一家人平均每月的日常生活开支为6000元，房贷月供4652元，女儿的学前教育费用为每年2万元，赵女士办的美容卡每年需要2000元，李先生应酬支出平均每月1000元，家庭每年旅游支出5000元。另外，夫妻俩每月都要给双方父母各寄去1000元的生活费。 目前，李先生想请理财规划师通过理财规划为其解决以下问题： 1.李先生家庭生活过的越来越富裕，希望在惠州购买一套价值80万元的房子给父母养老居住。李先生想知道，根据目前家庭的资产状况，应如何进行规划。 2.李先生想知道目前只依靠单位福利的风险保障是否完备，如果不足，还需要补充哪些保险。 3.孩子是夫妻二人的希望，夫妻二人希望女儿能茁壮成长，接受良好的教育。
2010年全国高考英语试题及答案-全国1
绝密★启用前 2010年普通高等学校招生全国统一考试 英语 本试卷分第一卷(选择题)和第二卷(非选择题)两部分。第一卷1至l4页。第二 卷15至16页。考试结束后，将本试卷和答题卡一并交回。 第一卷 注意事项： 1. 答题前．考生在答题卡上务必用直径0．5毫米黑色墨水签字笔将自己的姓名、准考证号填写清楚，并贴好条形码。请认真核准条形码上的准考证号、姓名和科目。 2. 每小题选出答案后，用2B铅笔把答题卡上对应题目的答案标号涂黑，如需改动， 用橡皮擦干净后,再选涂其他答案标号，在试题卷上作答无效 ．．．．．．．．．。 第一部分听力(共两节，满分30分) 做题时，先将答案标在试卷上。录音内容结束后，你将有两分钟的时间将试卷上的 答案转涂到答题卡上。 第一节(共5小题；每小题l 5分，满分7．5分) 听下面5段对话。每段对话后有一个小题，从题中所给的A、B、C三个选项中选出最佳选项，并标在试卷的相应位置。听完每段对话后，你都有l0秒钟的时间来回答有关 小题和阅读下一小题。每段对话仅读一遍。 例：How much is the shirt? A￡19.15 8￡9.15 C￡9.18 答案是B。 1 What will Dorothy do on the weekend? A Go out with her friend B Work on her paper C Make some plans 2. What was the normal price of the T-shirt? A.$15 B.$30. C.$50.
3 What has the woman decided to do On Sunday afternoon? A To attend a wedding B To visit an exhibition C To meet a friend 4 When does the bank close on Sa turday? A At l：00 pm B At 3：00 pm C At 4：00 pm 5 Where are the speakers? A In a store B In a classroom C At a hotel 第二节(共15小题;每小题1 5分，满分22 .5分) 听下面5段对话或独白。每段对话或独白后有几个小题，从题中所给的A、B、C三个选项中选出最佳选项，并标在试卷的相应位置。听每段对话或独白前，你将有时间阅读各个小题，每小题5秒钟；听完后，各小题给出5秒钟的作答时间。每段对话或独白读两遍。 听第6段材料，回答第6、7题。 6 What do we know about Nora? A She prefers a room of her own B She likes to work with other girls C She lives near the city center． 7 .What is good about the flat? A It has a large sitting room B It has good furniture C It has a big kitchen 听第7段材料，回答第8、9题。 8 Where has Barbara been? A Milan
投资与理财 案例及答案
2011年8月8日，王先生与张女士喜结良缘，步入了婚姻的殿堂。王先生今年30岁，国企中层管理人员，月薪15000元(税前)，年终奖12万元(税前)，张女士今年27岁，某私企员工，月薪6000元(税前)，年终奖2万元(税前)，二人每月按照税前工资的10%缴纳“三险一金”。 王先生于2010年1月初，购买一套95平米房屋用于结婚使用，目前市价为100万元，购房时总价为90万元，首付30万元，公积金贷款为25万元，商为贷款为35万元，均采用等额本息贷款方式，贷款当月开始还贷，贷款期限为20年。 王先生家庭的日常伙食费为3000元/月左右，交通费为200元/月，通讯费为500元/月，家庭应酬支出为1200元/月，购买衣物支出为2000元/季，张女士每年美容支出为15000元/年，旅游支出为10000元/年，赡养双方父母支出4800元/年。 王先生并不熟悉股票投资，2010年购买了30万元的股票，目前市值仅为10万元。除股票外，王先生家里有即将到期的定期存款20万元，活期存款8万元，家庭期望的年投资回报率为8%，王先生夫妻除房贷外，目前无其他贷款，除了单位缴纳的“三险一金”外，夫妻二人没有投保其他商业保险。 目前，王先生想请理财规划师通过理财规划为其解决以下问题： 1. 如何对现金等流动资产进行有效的管理; 2. 王先生夫妇决定明年1月份购买一辆总价为10万元的轿车一辆; 3. 王先生想知道目前只依靠单位福利的风险保障是否完备，如果不足，还需要补充哪些保险; 4. 王先生夫妇打算两年后要小孩，希望将来孩子到国外读大学，预计需要80万元的留学费用; 5. 养老是王先生夫妇较为关心的规划之一，如何筹集到500万元的养老金又不影响孩子教育金的积累; 页脚内容1
2010-2016年全国卷高考英语作文范文汇总
2010-- 2016高考英语作文汇总-----作文范文 2010 年高考英语全国卷I & 新课标卷 假设你是育才中学学生会主席李华。你校将举办一次英语演讲比赛(speech contest)．希望附近某大学的外籍教师Smith女士来做评委。请参照以下比赛通知给她写一封信。
注意：词数100左右。 Dear Ms .Smith, I’m Li Hua, chairman of the Student Union of Yucai Middle School, which is close to your University. I’m writing to invite you to be a judge at our English speech contest _____ (hold) in our school on June 1st. It will start at 2:00 pm and keep//___ for about three hours. Ten students will deliver their speeches on the given topic ―Man and the Nature‖. We hope you will accept our invitation ___ it is convenient for you. Please call me at 446765560 if you have any questions. I am looking forward to your reply. With best wishes, Li Hua 2010 年高考英语全国卷II 假设你是李华，你的美国笔友Peter 层表示希望来中国教书。你校现在需招聘外教，请给他写封信，告知招聘信息。内容主要包括： 1.教授课程：英语口语、英语写作、今日美国、今日英语等 2.授课对象：高中生（至少三年英语基础） 3. 工作量：-- 每周12 学时，任选三门课 -- 担任学生英语俱乐部或英语校报顾问（advisor） Dear Peter, I remember you____(tell) me you were interested in teaching in China. Our school is looking for a native-speaker to teach some courses to senior students. If you come, you can choose three of the following four courses: Speaking, Writing, Britain Today and America Today, ___ teach12 hours a week. The students ___ are going to take these courses _____(has) at least three years of English learning experiences.Besides teaching, you will also work ___ an advisor to our students’ English club or our school’s English newspaper. Please let me know if you are interested and ___ you have an y other questions. I’d be more than happy to help. 2011 年高考英语全国卷I & 新课标卷 假定你是李华，正在一所英国学校学习暑期课程，遇到一些困难，希望得到学校辅导中心（Learning Center）的帮助。根据学校规定，你须书面预约，请按下列要点写一封信： 1.本人简介； 2.求助内容； 3.约定时间； 4.你的联系方式（Email:lihua@https://www.sodocs.net/doc/6b18178605.html,;Phone:12345678） 注意：1.词数100左右； 2.可以适当增加细节，以使行文连贯；
2010高考英语全国卷听力及答案附原文
10年普通高等学校招生全国统一考试（全国卷） 听力(共两节，满分30分) 第一节(共5小题：每小题 1.5分，满分7.5分) 听下面5段对话。每段对话后有一个小题，从题中所给的A、B、C三个选项中选出最佳选项，并标在试卷的相应位置。每段对话仅读一遍。 1. What will Dorothy do on the weekend? A. Go out with her friend. B. Work on her paper. C. Make some plans. 2. What was the normal price of the T-shirt? A. $15 B. $30 C. $50 3. What has the woman decided to do on Sunday afternoon? A. To attend a wedding B. To visit an exhibition C. To meet a friend 4. When does the bank close on Saturday? A. At l: 00 pm B. At 3:00 pm C. At 4:00 pm 5. Where are the speakers? A. In a store B. In a classroom C .At a hotel. 第二节(共15小题;每小题 1.5分，满分22.5分) 听下面5段对话或独自。每段对话或独自后有几个小题，从题中所给的A、B、C三个选项中选出最佳选项，并标在试卷的相应位置。每段对话或独白读两遍。 听第6段材料，回答第6、7题。 6. What do we know about Nora? A. She prefers a room of her own. B. She likes to work with other girls. C. She lives near the city center. 7. What is good about the flat? A. It has a large sitting room. B. It has good furniture. C. It has a big kitchen. 听第7段材料，回答第8、9题。 8. Where has Barbara been? A. Milan B. Florence C. Rome 9. What has Barbara got in her suitcase? A. Shoes B. Stones C. Books. 听第8段材料，回答第10至12题。 10. Who is making the telephone call? A. Thomas Brothers B. Mike Landon C. Jack Cooper 11. What relation is the woman to Mr. Cooper? A. His wife B. His boss C. His secretary. 12. What is the message about? A. A meeting B. A visit to France C. The date for a trip. 听第9段材料，回答第13至16题。 13. Who could the man speaker most probably be? A. A person who saw the accident B. The driver of the lorry C. A police officer 14. What was Mrs. Franks doing when the accident took place? A. Walking along Churchill Avenue B. Getting ready to cross the road C. Standing outside a bank. 15. When did the accident happen? A. At about 8:00 a.m. B. At about 9:00 a.m. C. At aboutl0:00 a.m. 16. How did the accident happen? A .A lorry hit a car. B. A car ran into a lorry. C. A bank clerk rushed into the street. 听第10段材料，回答第17至20题。 17. What is the talk mainly about? A. The history of the school. B. The courses for the term. C. The plan for the day. 18. Where can the visitors learn about the subjects for new students? A. In the school hall. B. In the science labs. C. In the classrooms. 19. What can students do in the practical areas? A. Take science courses. B. Enjoy excellent meals. C. Attend workshops. 20. When are the visitors expected to ask questions? A. During the lunch hour. B. After the welcome speech. C. Before the tour of the labs.
2010年下半年《个人理财》真题答案
2010年下半年《个人理财》真题答案
一、单项选择题 1．[解析]答案为D。根据《商业银行法》第四十三条规定，我国金融业实行分业经营原则。商业银行不得从事信托投资和证券经营业务，不得向非自用不动产投资或者向非银行金融机构和企业投资。 2．[解析]答案为A。《商业银行法》规定总行拨付给分支机构的营运资金的总和不得超过商业银行总行资本金总额的60%。 3．[解析]答案为A。《商业银行法》规定商业银行不能投资公司债券。 4．[解析]答案为A。《商业银行法》第四条规定，安全性原则是商业银行所作任何资产业务的第一要旨。 5．[解析]答案为D。目前，国际市场上最主要、最典型的金融期货交易品种有：利率期货、外汇期货和股票价格指数期货，不包括债券期货。利率期货的基础资产是价格随市场利率波动的债券产品。利率期货交易者采取与现货市场相反的方向买卖利率期货，以对冲现在持有或计划持有的债券类资产的价格风险。外汇期货也称货币期货，规定将来在指定月份买入或卖出规定金
额外币的期货合约。股票价格指数期货，是以反映股票价格水平的股票指数为基础资产的期货交易合约。 6．[解析]答案为A。银行业监管机构实施现场检查措施时，现场检查人员不得少于2人，并应当出示合法证件和检查通知书。未出示合法证件和检查通知书的，银行业金融机构有权拒绝检查。 7．[解析]答案为B。根据《商业银行法》第七十四条规定，未经批准分立、合并或者违反规定对变更事项不报批的，由国务院银行业监督管理机构责令改正。 8．[解析]答案为C。根据《商业银行法》第十一条规定可知，未经国务院银行业监督管理机构批准，任何单位不得在名称中使用“银行”字样。 9．[解析]答案为D。自2008年3月1日起，个人所得税起征点由1600元提高至2000元，新的个人所得税法规定，工资、薪金所得，以每月收入额减除费用标准2000元后的额，为应纳税所得额。 10．[解析]答案为C。《保险代理机构管理
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