《金融專業(yè)文獻(xiàn)選讀》課程教學(xué)大綱

1、金融專業(yè)文獻(xiàn)選讀課程教學(xué)大綱課程編號1240344049課程名稱金融專業(yè)文獻(xiàn)選讀課程性質(zhì)限選學(xué) 時64學(xué) 分4學(xué)時分配授課：64   實(shí)驗(yàn)： 上機(jī)：   實(shí)踐：    實(shí)踐（周）：考核方式閉卷考試，平時成績占60% ，期末成績占40% 。開課學(xué)院經(jīng)濟(jì)學(xué)院更新時間2020年9月適用專業(yè)金融學(xué)、信用管理學(xué)先修課程金融學(xué)、國際金融學(xué)、保險(xiǎn)學(xué)一、教學(xué)內(nèi)容Part One Overview of the Banking Industry in China1.1 The Role of the Banking Sector in China（中國

2、銀行業(yè)的作用）1.2 The Central Bank Reform（中央銀行改革）1.3 Vigorous Development of the Commercial Banking Sector（商業(yè)銀行的蓬勃發(fā)展）1.3.1The role of the banking sector in the Chinese economy has increased dramatically.1.3.2 The wholly state-owned commercial banks (formerly known as the specialized banks) as a group conti

3、nue to have a dominant share in the banking industry.1.3.3 With China's entry into the World Trade Organization, China has decided to implement a phased reform of the wholly state-owned commercial banks.1.3.4 The reform of the financial system and particularly the diversification of banking inst

4、itutions have increased competition in the banking sector and improved financial services in China.1.4 Increased Openness of the Banking Sector（銀行業(yè)的對外開放）1.5 Strengthened Banking Supervision（加強(qiáng)銀行監(jiān)管）1.6 Priorities of the Further Banking Reform（深化銀行業(yè)改革的優(yōu)先次序）China will continue to pursue a sound monetar

5、y policy, and seek refinements in the conduct of monetary policy by relying mainly on indirect policy instruments. 1.6.1 open market operations will be expanded, and the quality of the relevant decision-making will be improved to optimize the timing and scale of open market transactions. 1.6.2 redis

6、count business will be further developed 1.6.3 the required reserve system will be further improved. 1.6.4 efforts will be made to gradually increase market influence over the degree to which interest rates vary around the central bank rates, with money market interest rates as the key intermediate

7、rate determined by market supply and demand. 1.6.5 The further reform of the wholly state-owned commercial banks will aim at introducing best modem banking practice, improving the ownership structure and corporate governance. 1.6.6 Further efforts will be made to facilitate more effective market dis

8、cipline. Transparency and the information disclosure of the Chinese banking industry will be brought up to international standards. 1.6.7 China will encourage the commercial banks to carry out business innovation and personnel and salary reforms to improve the incentive structure. 1.6.8 The reform o

9、f the rural credit co-operatives will focus on clarifying ownership and improve governance. 1.6.9 The central bank will speed up the reform of the supervisory and regulatory system, enhance the independence and professionalism, and improve its ability to coordinate financial supervision and monetary

10、 policy, to control moral hazard, and to identify and cope with banking risks. China will also reform the accounting system and enhance market discipline by increasing the supervisory role of law firms, accounting firms, rating agencies and other intermediary organizations.教學(xué)難點(diǎn)：理解中國銀行業(yè)股份制改革的必要性及影響。教

11、學(xué)重點(diǎn)：掌握深化中國銀行業(yè)改革的優(yōu)先次序。Part Two Banking Supervision 2.1 Importance and Objectives of Banking Supervision（銀行監(jiān)管的重要性及監(jiān)管的目標(biāo)）2.1.1 Characteristics of Banks and Importance of Banking Supervision (銀行特征和銀行監(jiān)管的重要性)2.1.2 Objectives of Banking Supervision (銀行監(jiān)管的目標(biāo))2.1.3 Preconditions for Effective Banking Supervi

12、sion (有效銀行監(jiān)管的必備條件)2.2 Licensing Process（金融機(jī)構(gòu)的市場準(zhǔn)入程序）2.2.1Phases of the Process（執(zhí)照許可的階段）2.2.2 Factors Evaluated by the Chartering Authorities（執(zhí)照許可主管部門評估的要素） 2.2.3 Basle Committees Requirements on Bank Licensing（巴塞爾協(xié)議對銀行執(zhí)照的要求）2.3Arrangements for Ongoing Banking Supervision（銀行持續(xù)性監(jiān)管的安排）2.3.1 Risks in Ba

13、nking(銀行業(yè)風(fēng)險(xiǎn)) 1、Credit risk（信用風(fēng)險(xiǎn)） 2、Market risk（市場風(fēng)險(xiǎn)） 3、Liquidity risk（流動性風(fēng)險(xiǎn)） 4、Operational risk（操作風(fēng)險(xiǎn)） 5、Legal risk（法律風(fēng)險(xiǎn)）6、Reputation risk(信譽(yù)風(fēng)險(xiǎn)) 2.3.2 Development and Implementation of Key Prudential Rules and Requirements（主要的審慎性原則與要求的完善與實(shí)施） 1、Capital adequacy（資本充足率） 2、Asset Concentrations（資本集中）3、Ass

14、et Quality-Loan Classification System and Adequacy of Loan Loss Reserves（資產(chǎn)中貸款質(zhì)量分類系統(tǒng)與貸款損失準(zhǔn)備金的充足性）4、Liquidity(流動性)5、Risk Management and Internal Controls（風(fēng)險(xiǎn)管理與內(nèi)部控制）2.3.3 Methods of Ongoing Banking Supervision(持續(xù)銀行監(jiān)管的方法)1、0ff-site Surveillance(非現(xiàn)場檢查)2、On-site Examination and the Role of External Audit

15、ors(現(xiàn)場檢查及外部審計(jì)的作用)3、Supervision on a consolidated basis (合并監(jiān)管)2.4 Resolving Problem Bank Situations（對問題銀行和倒閉銀行的處理）2.4.1 Resolving Problem Bank Situations (對陷入困境銀行的處理)2.4.2 Dealing with failing banks（對倒閉銀行的處理）教學(xué)難點(diǎn)：中國銀行業(yè)面臨的主要風(fēng)險(xiǎn)。教學(xué)重點(diǎn)：巴塞爾資本協(xié)議對銀行業(yè)監(jiān)管方面的相關(guān)要求。Part Three The Chinese Foreign Exchange System 3.

16、1 Overview(概述)3.2 Exchange Arrangement（匯率制度）3.3 Foreign Exchange Operations of Financial Institutions(金融機(jī)構(gòu)外匯業(yè)務(wù))3.4 Supervision of Foreign Exchange Accounts(外匯賬戶監(jiān)管) 3.4.1 Foreign Exchange Accounts With Domestic Institutions (境內(nèi)機(jī)構(gòu)外匯賬戶) 3.4.2 Overseas Foreign Exchange Accounts (境外外匯賬戶管理) 3.5 Current Ac

17、count Transactions (經(jīng)常項(xiàng)目) 3.6 Capital Account Transactions (資本項(xiàng)目) 3.6.1 Overseas Investment (海外投資) 3.6.2 External Borrowing in Loans (國際商業(yè)貸款) 3.6.3 External Guarantee (對外擔(dān)保) 3.6.4 Registration System for External Debt（外債登記制度） 3.7 Reporting of Balance of Payments Statistics（國際收支統(tǒng)計(jì)申報(bào)） 3.8 Foreign Exch

18、ange Business(外匯業(yè)務(wù))3.8.1 Foreign Exchange- Some Definitions（外匯-一些定義）3.8.2 Banks and the Foreign Exchange Market（銀行與外匯交易市場）3.8.3 Foreign Exchange Quotations （外匯報(bào)價）3.8.4 Financial Instruments（金融工具）教學(xué)難點(diǎn)：理解資本項(xiàng)目可兌換及外匯風(fēng)險(xiǎn)的防范。教學(xué)重點(diǎn)：中國外匯體制改革的相關(guān)內(nèi)容。 Part Four Intermediary Services4.1 Intermediary Services（中間業(yè)務(wù)）

19、4.1.1 Relationship between Bankers and Customers (銀行與客戶之間的關(guān)系)1、Debtor-Creditor Relationship（債務(wù)人-債權(quán)人關(guān)系）2、Principal-Agent Relationship（委托人-代理人關(guān)系）3、Bailor-Bailee Relationship（寄托人-受托人關(guān)系）4、Safekeeping（代客保管）4.2 Settlement- Payments and Funds Transfer（結(jié)算-支付和資金轉(zhuǎn)移）4.2.1 Introduction（簡介）4.2.2 Negotiable Instr

20、uments（流通票據(jù)）4.2.3 International Settlement（國際結(jié)算）4.3 Trust Services（信托業(yè)務(wù)）4.4 Lease（租賃業(yè)務(wù)）4.5 Factoring（保理業(yè)務(wù)）教學(xué)難點(diǎn)：各項(xiàng)中間業(yè)務(wù)的操作流程及特征。教學(xué)重點(diǎn)：中間業(yè)務(wù)的類型。 Part Five Loans 5.1 Categories of Loans（貸款種類）5.1.1 Common Loans（普通貸款）5.1.2 Particular Loans（特別貸款）5.2 Credit Planning（信貸計(jì)劃）5.2.1 Assets and Liabilities Managemen

21、t（資產(chǎn)負(fù)債管理） 5.2.2 Profitability and Budgetary Control（收益率與預(yù)算控制）5.3 Borrower Screening（借款人篩選）5.3.1 Credit and Finance Analysis（信貸和融資分析）5.3.2 Credit Line5.3.3 Feasibility Study and Project Appraisal of Long-Term Lending（長期貸款的可行性研究和項(xiàng)目評估）1、The Analysis Framework（分析框架）2、The Scope of Feasibility study（可行性研究

22、范圍）3、Project Timing Schedules（項(xiàng)目時間安排）4、Cost and Benefit Stream and the calculation of financial rate of return（成本和收益流以及財(cái)務(wù)報(bào)酬率的計(jì)算）5、Economic Analysis of Project（項(xiàng)目經(jīng)濟(jì)分析）5.4 Credit Risk Management（信貸風(fēng)險(xiǎn)管理）5.4.1 Credit Portfolio Management（貸款組合管理） 5.4.2 Credit Origination and Management（信貸的產(chǎn)生和管理）1、Target

23、Market Screening（目標(biāo)市場篩選）2、Credit appraisal（信貸評估）3、Credit Approval and Control（信貸審批和控制）4、Problem Recognition and Remedial Measures（問題的發(fā)現(xiàn)及補(bǔ)救措施）教學(xué)難點(diǎn)：掌握貸前風(fēng)險(xiǎn)評估及貸后風(fēng)險(xiǎn)管理環(huán)節(jié)。教學(xué)重點(diǎn)：信貸計(jì)劃的實(shí)施及如何有效進(jìn)行信貸風(fēng)險(xiǎn)控制。Part Six Investment Banking 6.1 Backgrounds（背景）6.1.1 Who can Offer Investment Banking Services（誰能夠提供投資銀行服務(wù)）6.1

24、.2 The History of Investment Banking（投資銀行的歷史）6.1.3 Factors Behind the Evolution of Investment Banking（投資銀行業(yè)發(fā)展的因素）6.2 Investment Banking Activities（投資銀行業(yè)的業(yè)務(wù)活動）6.2.1 Underwriting New Issues（承銷新發(fā)行的證券）6.2.2 Transactions(Dealing and Broking)（交易買賣業(yè)務(wù)和經(jīng)紀(jì)業(yè)務(wù)）6.2.3 Fee Banking（收費(fèi)銀行業(yè)務(wù)）6.2.4 Prospect of Investme

25、nt Banking（投資銀行業(yè)的發(fā)展前景）教學(xué)難點(diǎn)：了解我國投資銀行業(yè)發(fā)展現(xiàn)狀及與國際投行的差距。教學(xué)重點(diǎn)：投資銀行主要業(yè)務(wù)種類。Part Seven Money Laundering7.1 Money Laundering and Crime7.2 Benefits of Laundering Money7.3 Some History7.4 Money Laundering Schemes7.5 The Money Laundering Process7.6 Preventing Money Laundering7.7 Customer due DiligenceKnow Your Cu

26、stomer7.8 Effects of Money Laundering教學(xué)難點(diǎn)：理解如何有效開展反洗錢工作。教學(xué)重點(diǎn)：了解洗錢業(yè)務(wù)的各種表現(xiàn)、我國反洗錢業(yè)務(wù)發(fā)展現(xiàn)狀及反洗錢領(lǐng)域國際合作。Part Eight Insurance8.1 Introduction 8.2 The Insurance Market 8.3 The Types of Insurance8.3.1 Life Insurance 8.3.2 Personal Property and Liability Insurance 8.4 Automobile Insurance 教學(xué)難點(diǎn)：了解國內(nèi)各種類型保險(xiǎn)業(yè)務(wù)發(fā)展現(xiàn)狀及不

27、足之處。教學(xué)重點(diǎn)：了解各種類型保險(xiǎn)業(yè)務(wù)及索賠流程。Part Nine Ethics9.1 Ethical Behaviour9.2 Types of Ethics9.3 Politics3739.4 Good Ethics Means Good Business教學(xué)難點(diǎn)：了解金融倫理對從事金融職業(yè)者的意義。教學(xué)重點(diǎn)：了解金融倫理的含義。二、教學(xué)要求Part One Overview of the Banking Industry in China 教學(xué)要求：通過本章的教學(xué)，幫助學(xué)生認(rèn)識中國銀行業(yè)的地位與作用，了解中央銀行及商業(yè)銀行改革的歷程，掌握深化銀行業(yè)改革的優(yōu)先次序。Part Two Banking Supervision 教學(xué)要求：通過本章學(xué)習(xí)，要求學(xué)生了解加強(qiáng)銀行監(jiān)管的意義和目標(biāo)以及有效銀行監(jiān)管的必備