目录1方案摘要..................................................................................................................................11.1家庭基本状况...............................................................................................................11.2家庭财务状况...............................................................................................................22客户财务状况分析..................................................................................................................32.1负债收入比率...............................................................................................................32.2消费比率.......................................................................................................................32.3偿付比率.......................................................................................................................42.4结余比率.......................................................................................................................42.5投资与净资产比率.......................................................................................................42.6流动性比率...................................................................................................................42.7财务总结.......................................................................................................................43客户理财目标..........................................................................................................................54理财基本假设..........................................................................................................................55策略与建议..............................................................................................................................65.1现金规划.......................................................................................................................65.2消费支出规划................................................................................