介紹金融的英語

演講人：日期：介紹金融的英語BasicConceptsandPrinciplesofFinanceIntroductiontoBankingBusinessandProductsAnAnalysisoftheOperatingMechanismoftheSecuritiesMarket目錄OverviewofInsuranceBusinessandProductTypesDiscussionontheDevelopmentTrendofInternetFinance目錄01BasicConceptsandPrinciplesofFinance

FinancialdefinitionandimportanceFinanceisthestudyofhowindividuals,businesses,andgovernmentsraise,allocate,andusemonetaryresourcesovertimeItinvolvesthemanagementofrisksrelatedtofinancialdecisionsandtheeffectiveuseofscaleresourcesFinanceplaysacriticalroleineconomicgrowthanddevelopment,asitfacilitiesinvestment,production,andtradeSaveandinvestforpersonalgoalslikeretention,education,orhomeownershipIndividualsRaisecapitaltofundoperations,expansion,andresearch&development;ManagecashflowandrisksBusinessesBorrowtofundbudgetdeficits,investininfrastructure,andprovidesocialservices;RegularfinancialmarketsGovernmentsIntermediatebetweensaversandinvestors,providingserviceslikeloans,investments,andinsuranceFinancialinstitutionsFinancialmarketparticipantsSavingSettingasideaportofincomeforfutureuse,ofteninabankaccountorinvestmentvehicleInvestingAllocatingfundstoassetslikestocks,bonds,realestate,orbusinessventuresinexpectationofareturnBorrowingObtainingfundsfromlenderswiththepromisetorepaytheprincipalamountplusinterestTypesandpurposesoffinancialactivitiesRiskmanagementIdentifying,assessing,andprioritizingrisksfollowedbycoordinatedandeconomicapplicationofresourcestominimize,monitor,andcontroltheprobabilityorimpactofunfoundedeventsTypesandpurposesoffinancialactivitiesRiskidentificationRecognizinganddefiningpotentialthreatsthatcouldimpactfinancialobjectivesQuantifyingthelikelihoodandpotentialimpactofidentifiedrisksImplementingstrategiestoreducetheseverityorlifestyleofrisksGovernmentpoliciesandlawsdesignedtoprotectinvestors,ensuremarketintegrity,andpromotefinancialstabilityAdheringtoregulatoryrequirementsandindustrystandardstoavoidlegalandreputationaldamageRiskassessmentRegulationComplianceRiskmitigationRiskmanagementandregulatoryprinciples02IntroductiontoBankingBusinessandProductsDemanddeposits01ThesearedepositsthatcanbewithdrawnatanytimewithoutnoticeTheyarethemostliquidformofdepositsandusuallydonotearninterestTimedeposits02ThesearedepositsthatareheldforafixedtermataspecifiedinterestrateTheyarelessliquidthandemanddepositsbutofferhigherreturnsSavingsdeposits03Thesearedepositsthatearninterestwhilestillallowingwithdrawals,althoughtheremaybelimitsonthenumberofwithdrawalspermonthTypesandcharacteristicsofdepositbusinessBanksassessthecreditworthinessofborrowersbasedonfactorssuchasincome,employmentstatus,andcredithistoryCreditassessmentOncethecreditassessmentiscomplete,thebankdecisionswhicharetoapprovetheloanandunderwhattermsLoanapprovalIftheloanisapproved,thebankdisbursesthefundstotheborrower,eitherinalumpsumorininstallationsDisbursingLoandissertationconditionsandprocessRecommendationofinvestmentandwealthmanagementproductsMutualfundsThesearepoolsofmoneymanagedbyprofessionalinvestorsthatinvestinavarietyofassetssuchasstocks,bonds,andcashInsuranceproductsTheseareproductsthatprovideprotectionagainstfinanciallosses,suchaslifeinsuranceandpropertyinsuranceFixedincomeproductsTheseareproductsthatprovidearegularstreamofincome,suchasbondsandcertificatesofdepositEquityinvestmentsTheseareinvestmentsincompanies,typicallythroughthepurchaseofstocks,thatofferthepotentialforcapitalapplicationBanksprovideservicestotransfermoneyinternationally,boththroughwiretransfersorotherelectronicmeansRemittanceservicesBanksoffercurrencyexchangeservicestoconvertonecurrencyintoanotherforcrossbordertransactionsCurrencyexchangeBanksissueinternationalpaymentcardsthatcanbeusedforpurchasesandwithdrawalsworldwideInternationalpaymentcardsBanksprovidefinancingsolutionstofacilitateinternationaltrade,suchaslettersofcreditandexportfinancingTradefinanceCrossborderpaymentandsettlementservices03AnAnalysisoftheOperatingMechanismoftheSecuritiesMarketUnderstandingtheconceptandcharacteristicsofthestockmarketThestockmarketisaplacewherestocks,bonds,andothersecuritiesareissuedandtradedItisanimportantpartofthecapitalmarketandplaysacriticalroleinthenationaleconomyFamiliarizingwithstocktradingproceduresInvestorsneedtounderstandthetradingproceduresofthestockmarket,includinghowtoopenanaccount,howtodepositfunds,howtobuyandsellstocks,andhowtowithdrawfundsGraspthebasicknowledgeofstockinvestmentInvestorsshouldgraspthebasicknowledgeofstockinvestment,suchasunderstandingthecompany'sbusinessperformance,financialstatements,industryprospects,andmarkettrendsPopularizationofbasicknowledgeinthestockmarketBondissuanceBondsareissuedbygovernments,financialinstitutions,andenterprisestoraisefundsInvestorsneedtounderstandthebondissuanceprocess,includingtheissuanceprice,interestrate,andmaturitydateBondtradingBondtradingreferstothebuyingandsellingofbondsonthesecondarymarketInvestorsneedtofamiliarizethemselveswithbondtradingrulesandproceduresBondrepurchaseBondrepurchasereferstotheredemptionofbondsbytheissuerbeforematurityInvestorsneedtounderstandthebondrepurchaseprocessandtheimpactontheirinvestmentreturnsGuidelinesforBondIssuance,Trading,andRepurchaseOperationsUnderstandingtheconceptandcharacteristicsofthederivativesmarketThederivativesmarketisafinancialmarketwherederivativesecuritiessuchasfutures,options,andswapsaretradedItisanimportantpartofthefinancialsystemandplaysacriticalroleinriskmanagementandpricediscoveryFamiliarizingwithderivativetradingproceduresInvestorsneedtounderstandthetradingproceduresofderivativesecurities,includinghowtoopenanaccount,howtodepositcollateral,howtobuyandsellderivativesecurities,andhowtosettletransactionsGraspthebasicknowledgeofderivativeinvestmentInvestorsshouldgraspthebasicknowledgeofderivativeinvestment,suchasunderstandingthepricingprinciplesofderivativesecurities,riskmanagementtechniques,andhedgingstrategiesIntroductiontoDerivativesMarketFundamentalanalysisstrategyFundamentalanalysisfocusesontheintrinsicvalueofsecurityandemphasisonanalyzingthecompany'sfinancialstatements,businessperformance,industryprospects,andmarkettrendstomakeinvestmentdecisionsTechnicalanalysisstrategyTechnicalanalysisfocusesonthemarketpriceandvolumeofsecuritiesandemphasisonanalyzinghistoricalpricedataandchartpatternstopredictfuturepricemovementsRiskmanagementstrategyRiskmanagementiscriticalinsecuritiesinvestmentInvestorsshouldformulateriskmanagementplansaccordingtotheirrisktolerancelevelsandinvestmentobjectives,includingdiversifyinginvestments,controllingpositionsizes,andsettingstoplosslimitsSharingofSecuritiesInvestmentStrategies04OverviewofInsuranceBusinessandProductTypesInsuranceisarisksharingmechanismwhereindividualsorbusinessespooltheirriskstogetherandtransferthemtoaninsurancecompanyRiskSharingIntheeventofacoveredloss,theinsurancecompanyprovidescompensationtohelptheinsuredrecoverfinanciallyCompensationforLossesInsurancecompaniesassessandmanageriskstodetermineappropriatepremiumsandcoveragetermsRiskManagementExplanationofInsurancePrinciplesandFunctionsLifeInsuranceCoverstheriskofdeathordisabilityandprovidesfinancialsecurityforbenefitsHealthInsuranceCoversmedicalexpensesincurredduetoillnessorinjury,helpingindividualsandfamiliesmanagehealthcarecostsPropertyInsuranceCoversdamagetoorlossofpropertyduetofire,theft,naturaldisasters,andothercoveredperilsIntroductiontoLifeInsurance,HealthInsurance,andPropertyInsuranceProductsAnalysisoftheOperationModelandProfitChannelsofInsuranceCompaniesInsurancecompaniesalsoearnrevenuethroughfeeschargedforpolicyadministrationandcommissionspaidtoagentsandbrokersforsellingpoliciesFeesandCommissionsInsurancecompaniesearnprofitsbychargingpremiumsthatarehigherthantheexpectedcostsofclaimsandexpensesUnderwritingProfitsInsurancecompaniesinvestpremiumscollectedfrompolicyholderstogenerateadditionalincomeInvestmentIncome01Determinethetypesandlevelsofcoverageneededbasedonyourpersonalcircles,financialgoals,andrisktoleranceAssessYourNeeds02ShoparoundandcomparedifferentinsuranceproductsandpricestofindthebestvalueforyourmoneyCompareProductsandPrices03