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所在平台: Udemy |
课程主页: https://www.udemy.com/course/plan-for-your-debts/
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**课程名称：** PLAN For Your Debts (为你的债务制定计划) **课程概述：** 本课程由 Vincent Cheah, CFP 主讲，旨在帮助学员应对日益增长的债务问题。课程强调了马来西亚国民债务的飙升（从1978年至今增长了约48倍，占GDP的65.6%），以及因个人贷款和融资导致破产人数的上升（尤其集中在25-34岁群体）。课程认为，理解债务并有效解决债务对于实现财务自由至关重要。 **课程目标：** 本课程旨在为学员提供系统性的知识和技能，帮助他们理解债务的运作模式、周期以及如何系统性地清理债务，从而提升金钱的价值。 **参考标准：** 虽然没有特定的能力标准，但课程参考了以下重要机构的准则： * 马来西亚财务规划协会 (FPAM) 的行为准则 * 马来西亚财务规划委员会 (MFPC) 的行为准则 * 马来西亚金融咨询与管理机构 (AKPK) 的指导方针 * 马来西亚中央银行的个人融资指导方针 * 各银行机构关于贷款、个人贷款和信用卡的产品披露说明 **学习成果：** 完成本课程后，学员将能够： * 运用策略管理个人贷款（达到分析和综合层面） * 识别不同类型的债务和利息（达到知识层面） * 展示贷款和利息的运作模式（达到应用层面） * 构建债务管理计划的策略（达到综合层面） * 比较和对比不同类型的债务（达到应用层面） * 优化债务管理计划（达到评估层面）
PLAN FOR YOUR DEBTSBY VINCENT CHEAH, CFPRationale • Malaysian national debt had surged about 48 times from 1978 to today, which constitutes about 65.6% of Malaysian Gross Domestic Product (GDP). • Bankruptcy had been on the rise due to personal financing debts and loans with most people filed for bankruptcy are among those aged 25 to 34. • Understanding debts and solving them are important to ensure that people have financial freedom.ObjectiveThe objective of this programme is to equip participants with the knowledge and skills to understand the operations, periods and clearing of debts in a systematic manner to enhance the value of money.Competency StandardThere are no relevant competency standards but the references are • Code of Conduct from the Financial Planning Association of Malaysia (FPAM) • Code of Conduct from the Malaysian Financial Planning Council (MFPC) • Guidelines from Agensi Kaunseling & Pengurusan Kewangan (AKPK) • Guidelines from Personal Financing by the Central Bank of Malaysia • Guidelines from each banking institution on loans, personal loans and credit card's Product Disclosure SheetsLearning OutcomeAt the end of this programme, the participants will be able to: • Manage their own loans with strategies (L4 - Analysis, L5 - Synthesis) • Identify the types of debts and interest (L1 - Knowledge) • Demonstrate the operations of loan and interest (L3 - Applying) • Construct a strategy for debt management plan (L5 - Synthesis) • Compare and contrast types of debts (L4 - Application) • Enhance debt management plan (L6 - Evaluation)
