论文部分内容阅读
王先生,国内某大型IT企业的中层领导,33岁,每月税后收入15000余元。妻子,某股份制商业银行的普通职员,28岁,每月税后收入近4000元。孩子刚满1岁。父母均已退休,养老金充足。王先生和妻子的工作单位都是大型企业,基本的社保都有。王先生目前正在国内一所著名高校攻读MBA,费用由单位资助,妻子也经常参加各种培训充电。随着两人知识技能和工作经验的不断积累,预计未来的收入会逐步提高。两人结婚时按揭贷款买了一套小两居,目前估值约50万元,还剩20万元的房贷。其余资产分配见表1。
Mr. Wang, a middle-level leader of a large IT enterprise in China, is 33 years old and earns a monthly after-tax income of over 15,000 yuan. His wife, a common employee of a joint-stock commercial bank, is 28 years old and earns a monthly income of nearly 4,000 yuan after tax. The child just turned 1 year old. Parents are retired and have enough pensions. Mr. Wang and his wife’s work units are large enterprises, the basic social security have. Mr. Wang is studying MBA at a famous university in China at present, and his expenses are subsidized by the unit. His wife often takes part in training and charging. With the continuous accumulation of the two knowledge and skills and work experience, the future income is expected to gradually increase. When they got married, they bought a small two-family home mortgage loan, with a current valuation of about 500,000 yuan and 200,000 yuan of mortgage left. The remaining asset allocation in Table 1.