金融英語視聽

演講人：日期：金融英語視聽目錄FundamentalsofFinancialEnglishIntroductiontoFinancialMarketsandInstitutionsBankingbusinessandoperationalprocessesInvestmentandWealthManagementStrategiesandRiskManagementSharingpracticalskillsinstocktrading01FundamentalsofFinancialEnglishe.g.,cash,accountsreceivable,inventory,fixedassets,accountspayable,longtermdebtAssetsandliabilitiese.g.,balancesheet,incomestatement,cashflowstatementFinancialstatementse.g.,debttoequityratio,returnonequity,grossmarginFinancialratiose.g.,stocks,bonds,mutualfunds,hedgefunds,portfoliodiversificationInvestmenttermsCommonvocabularyandphrasesinfinance03Analyzingthelanguageusedinfinancialnews,reports,anddocumentstogaininsightsintotheindustry01UnderstandingthemeaningandusageoffinancialjargonandcurrenciessuchasIPO,ETF,ROI,andYOY02ExploringthenumbersoffinancialtermsandhowtheyareusedindifferentcontextsAnalysisofFinancialIndustryTerminology010203Complexsenseswithmultipleclausesandphrases,oftenusingpassivevoiceandnormalizationFrequentuseoftechnicaltermsandabbreviations,requiringaspecializedvocabularyPrecisionandclarityinlanguageusage,withanemphasisonaccuracyandavoidingambiguityThestructuralcharacteristicsoffinancialEnglishsensesExploringthehistoricalandglobalcontextoffinanceandhowithasbeenshapedinfinancialEnglishRecommendingtheimportanceofcrossculturalcommunicationinthefinancialindustryandhowtonavigateiteffectivelyUnderstandingtheculturalnormsandvaluesthatinfluencefinancialdecisionmakingandcommunicationFinancialEnglishCulturalBackground02IntroductiontoFinancialMarketsandInstitutionsPrimaryMarketWheresecuritiesarefirstissuedandsoldtoinvestors,typicallythroughanunderwritingprocessMoneyMarketShorttermdebtinstrumentssuchastreasurybills,commercialpaper,andreposaretradedSecondaryMarketWherepreviouslyissuedsecuritiesarebulkyandsolidamonginvestors,facilityliquidityandpricediscoveryCapitalMarketLongtermdebtandequityinstrumentssuchasbondsandstocksareissuedandtradedTypesandfunctionsoffinancialmarketsTypesandResponsibilitiesofFinancialInstitutionsCommercialBanksAcceptdeposits,makeloans,andprovidebasicfinancialservicestoindividualsandbusinessesInvestmentBanksAssistinraisingcapital,facilitytradesandacquisitions,andprovideadviceonfinancialstrategiesInsuranceCompaniesProvideriskmanagementservicesbypoolingrisksandpayingclaimstopolicyholdersPensionFundsManageassetstoprovideretentionincomeforemployees,typicallythroughdefinedcontributionsordefinedbenefitplansLoans:Providefinancingtoindividualsandbusinesses,typicallywithinterestpaymentsandpaymentschedulesDerivatives:Financialcontractswhosevalueisderivedfromanunderlyingasset,suchasfutures,options,andswapsFinancialPlanningandAdvice:ServicesprovidedbyfinancialadvisorstohelpindividualsandbusinessesmanagetheirfinancesandachievetheirfinancialgoalsSecurities:Representownershipinacompany(stocks)oradebtopposition(bonds),andcanbeboundedandsoldonfinancialmarketsOverviewofFinancialProductsandServicesRegulatoryAgenciesGovernmentbodiesthatoverseefinancialmarketsandinstitutionstoensurefairness,transparency,andstabilityRegulatoryFrameworksSetsofrulesandguidelinesthatfinancialinstitutionsmustfollow,includingcapitalrequirements,riskmanagementpractices,anddisclosurestandardsSupervisionandEnforcementRegulatoryagenciesconductregularexamsandinvestmentstoensurecompliancewithregulationsandtakeenforcementactionswhennecessaryFinancialmarketregulatorysystemInternationalCooperationRegulatoryagenciesworkwiththeirinternationalcounterpartstostandardizeregulationsandaddresscrossborderfinancialissuesFinancialmarketregulatorysystem03BankingbusinessandoperationalprocessesCustomeridentificationandverificationBanksmustidentifyandverifytheidentityofcustomerstoensurecompliancewithantimoneylaunderingandKnowYourCustomer(KYC)regulationsAccountopeningCustomerscanopendepositaccountsbyprovidingthenecessarydocumentationandmeetingthebank'srequirementsDeposittransactionsCustomerscanmakedepositsintotheiraccountsthroughvariouschannelssuchascash,checks,wiretransfers,andonlinebankingProcessforhandlingbankdepositbusinessInterestcalculationandpaymentBankscalculateandpayinterestondepositbalancesbasedontheapplicableinterestratesandtermsandconditionsProcessforhandlingbankdepositbusinessLoanapplicationCustomerscanapplyforloansbyadvancingthenecessarydocumentationandmeetingthebank'slendingcriteriaCreditassessmentBanksassessthecreditworthinessofloanapplicationsbasedonfactorssuchasincome,employmentstatus,credithistory,anddebttoincomeratioLoanapprovalBasedonthecreditassessmentandotherrelevantfactors,banksdecidewhichtoapproveorrejecttheloanapplicationIntroductiontoloanapplicationandapprovalprocessIntroductiontoloanapplicationandapprovalprocessLoanstatementOncetheloanisapproved,banksdisbursetheloanamounttothecustomer'saccountaccordingtotheagreedtermsandconditionsWiretransfersBanksfacilitatecrossborderpaymentsthroughwiretransfers,whichinvolvetheelectronictransferoffundsbetweenbanksCorrespondingbankingrelationshipsBanksestablishcorrespondingbankingrelationshipswithforeignbankstofacilitatecrossbordertransactionsandaccesstoforeigncurrencyInternationalpaymentsystemsBanksparticipateininternationalpaymentsystemssuchasSWIFT(SocietyforWorldwideInterbankFinancialTelecommunications)toprocesscrossborderpaymentseffectivelyExplanationofCrossBorderPaymentandSettlementMethodsSettlementmethodsSettlementofcrossbordertransactionscanbedonethroughvariousmethodssuchasnetsettlement,paymentversuspayment(PvP),anddeliveryversuspayment(DvP)ExplanationofCrossBorderPaymentandSettlementMethodsCreditcardusageCustomerscanusecreditcardsforpurchases,cashadvantages,andothertransactionsuptothecreditlimitsetbythebankInterestandfeesCreditcardtransactionsattractinterestandotherfeessuchasannualfees,latepaymentfees,andoverthelimitfeesCustomersshouldbeawareofthesechargesandmaketimelypaymentstoavoidchargingadditionalcostsCreditCardUsageandRepaymentGuidelinesRepaymentoptionsCustomerscanrepaytheircreditcardbalancesthroughvariousoptionssuchasfullpayment,minimumpayment,orpartialpaymentMakingonlytheminimumpaymentmayresultinlongerpaymentperiodsandhigherinterestcostsCreditcardsecurityCustomersshouldtakemeasurestoprotecttheircreditcardsfromfraudandunauthorizedusebykeepingtheminasafeplace,notsharingcarddetailswithothers,andregularlymonitoringtransactionsandstatementsCreditCardUsageandRepaymentGuidelines04InvestmentandWealthManagementStrategiesandRiskManagementUnderstandingportfoliotheoryPortfoliotheoryisasetofinvestmentprinciplesthataimtomaximizereturnswhileminimizingriskthroughdiversificationConstructinganoptimalportfolioInvestorscanconstructanoptimalportfoliobyselectingamixofassetsthatbalanceriskandreturnbasedontheirindividualrisktoleranceandinvestmentgoalsRebalancingportfolioRegularrebalancinghelpsinvestorsmaintaintheirdesiredassetallocationandrisklevelovertimePortfolioTheoryandPracticalApplicationsRiskassessmentframeworks01Investorscanusevariousriskassessmentframeworks,suchasvalueatrisk(VaR)orconditionalvalueatrisk(CVaR),toquantifyandmanagerisksRiskmetricsandindicators02Riskmetricssuchasstandarddeviation,beta,andSharperatiocanhelpinvestorsunderstandtheriskandreturncharacteristicsoftheirportfoliosRiskmanagementtools03Investorscanuseriskmanagementtoolssuchasstoplossorders,hedgingstrategies,anddiversificationtolimitpotentiallossesIntroductiontoriskassessmentmethodsandtoolsUnderstandinginsuranceneedsInvestorsshouldcarefullyassesstheirinsuranceneedsbasedonfactorssuchastheirage,healthstatus,familysituation,andfinancialgoalsComparinginsuranceproductsInvestorsshouldcomparedifferentinsuranceproductsintermsofcoverage,premiums,products,andotherfeaturestofindthemostsuitableoptionReadingthefineprintInvestorsshouldcarefullyreadthetermsandconditionsofinsurancepoliciestounderstandanyexceptionsorlimitationsthatmayapplyTipsandprecautionsforselectinginsuranceproductsPersonalfinancialplanningsuggestionsSettingfinancialgoalsInvestorsshouldsetclearandachievablefinancialgoalstoguidetheirinvestmentdecisionsCreatingabudgetAbudgethelpsinvestorstracktheirincomeandexpensestoensuretheyareontracktomeettheirfinancialgoalsSavingandinvestingregularlyInvestorsshouldestablisharegularsavingandinvestingplantobuildwealthovertimeMonitoringandadjustmentplan