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Part One Money and Economics2

Chapter 1 Money2

Learning Objectives2

Key Topics2

Section 1.1 What is Money？2

1.1.1 History of money2

1.1.2 Meaning of Money4

Section 1.2 Functions of Money5

1.2.1 Medium of Exchange5

1.2.2 Unit of Account7

1.2.3 Store of Value7

1.2.4 Standard of Deferred Payment8

Section 1.3 Evolution of the Payment System8

1.3.1 The forms of money8

1.3.2 Are we moving to a cashless society？13

Section 1.4 Measuring Money14

1.4.1 Theoretical and Empirical Definition of Money15

1.4.2 The federal reserve’s monetary aggregates15

1.4.3 Money supply16

Section 1.5 Money Policy18

Notes20

Exercises21

Additional Readings23

Chapter 2 Financial Markets26

Learning Objectives26

Key Topics26

Section 2.1 What is Financial Market？26

2.1.1 Definition of financial market26

2.1.2 Constituents of financial market27

Section 2.2 Functions of Financial Markets28

2.2.1 Intermediary Functions28

2.2.2 Financial Functions29

Section 2.3 Currency （Money）markets29

2.3.1 Participants30

2.3.2 Functions of the money market31

2.3.3 Common money market instruments32

Section 2.4 Capital markets33

2.4.1 Deeply view to capital market33

2.4.2 Examples of capital market transactions34

2.4.3 Raising Capitals36

Section 2.5 Derivative products market38

2.5.1 Future Contracts39

2.5.2 Forward Contracts40

2.5.3 Optional contracts41

Notes42

Exercises43

Additional Readings45

Chapter 3 Polities and Economics47

Learning Objectives47

Key Topics47

Section 3.1 Macroeconomics ＆Polities47

3.1.1 Games between policy makers and voters48

3.1.2 Games between Policy Makers50

Section 3.2 An General Perspective on the Political Economy of “Big Change”51

3.2.1 The Social-Political Context and Co-Evolution52

3.2.2 Embeddedness52

3.2.3 The Dilemma of Knowledge as a Product and a Resource53

3.2.4 The Global perspective on the evolution53

3.2.5 Evolutionary Social-Economic“intricacy”54

3.2.6 The Initiation of Self Re-Enforcing Growth55

Section 3.3 Explosive Change of evolution and Communitarian Collective Ownership55

3.3.1 The Fall - Variety Constraining Order56

3.3.2 Self Organization and Economics56

3.3.3 Communitarian［12］ Collective Ownership and Strategic Networks57

Notes60

Exercises61

Additional Readings63

Part Two Banking Industry in China66

Chapter 4 Central Bank PBC66

Learning Objectives66

Key Topics66

Section 4.1 The Reform of PBC66

4.1.1 Definition of ‘Central Bank’67

4.1.2 Transformation of the PBC67

4.1.3 Reform the Current Financial Structure68

Section 4.2 The Functions of PBC70

4.2.1 The Reason for Transformation70

4.2.2 The Biggest Change of the Functions of the PBC71

4.2.3 The Functions of PBC73

Section 4.3 The Instruments of Central Banking76

4.3.1 Open Market Operation76

4.3.2 Reserve Requirements79

4.3.3 Rediscount81

Notes82

Exercises82

Additional Readings85

Chapter 5 Commercial Banks88

Learning Objectives88

Key Topics88

Section 5.1 Introduction88

Section 5.2 What a Bank Is？90

5.2.1 The Role of the Banking Sector in China91

5.2.2 Vigorous Development of the Banking Sector92

5.2.3 Increased Openness of the Banking Sector93

Section 5.3 Intermediary Services94

5.3.1 Settlement-Payments and Funds Transfer94

5.3.2 Plastic Money95

5.3.3 International Settlement96

Section 5.4 Loans96

5.4.1 Definition and Categories of Loans96

5.4.2 The Credit Process98

5.4.3 Post-Disbursement Management100

Section 5.5 Banking on the Internet102

5.5.1 Backgrounds102

5.5.2 On-Line Banking Products103

5.5.3 The Future Prospects of On-Line Banking103

Notes105

Exercises106

Additional Readings108

Chapter 6 Supervision of Banking and Financial Institutions110

Learning Objectives110

Key Topics110

Section 6.1 Importance and Objectives of Banking Supervision110

6.1.1 The Role of Banks and Importance of Banking Supervision110

6.1.2 Objectives of Banking Supervision111

6.1.3 Preconditions for Effective Banking Supervision112

Section 6.2 Licensing Process113

6.2.1 Phases of the Process113

6.2.2 Factors Evaluated by the Chartering Authorities114

6.2.3 Basel Committee’s Requirements on Bank Licensing114

Section 6.3 Arrangements for Ongoing Banking Supervision115

6.3.1 Risks in Banking115

6.3.2 Key Prudential Issues117

6.3.3 Off-site Surveillance122

6.3.4 On-site Examinations123

Section 6.4 Dealing with Weak Banks124

6.4.1 Symptoms and Cause of Bank Problems124

6.4.2 Principles for Dealing with Weak Banks124

6.4.3 Corrective Actions125

6.4.4 Resolution Issues and Exit125

6.4.5 Closure of the Bank： Depositor pay off126

Notes127

Exercises128

Additional Readings131

Part Three Financial Instruments and Foreign Exchange134

Chapter 7 Securities134

Learning Objectives134

Key Topics134

Section 7.1 Stock134

7.1.1 History135

7.1.2 Shares136

7.1.3 Types of stock136

7.1.4 Rule 144 stock137

7.1.5 Shareholder137

7.1.6 Stock derivatives138

7.1.7 Share price determination139

7.1.8 Stock price fluctuations140

Section 7.2 Bond140

7.2.1 Issuance141

7.2.2 Main Features of Bond142

7.2.3 The kinds of Bond143

7.2.4 Bond market145

7.2.5 Bond market participants146

Section 7.3 Fund146

7.3.1 What is fund？146

7.3.2 Fund Constitution147

7.3.3 Unit or share class148

7.3.4 Investment aims149

7.3.5 Types of risk149

7.3.6 Kinds of Fund150

Notes154

Exercises155

Additional Readings157

Chapter 8 Foreign Exchange161

Learning Objectives161

Key Topics161

Section 8.1 Foreign Exchange Rate161

8.1.1 Quotations162

8.1.2 Bilateral vs.effective exchange rate163

8.1.3 Exchange rate regime164

8.1.4 Fluctuations in exchange rates164

Section 8.2 Foreign Exchange Market165

8.2.1 Market participants166

8.2.2 Characteristics169

8.2.3 Determinants of exchange rates169

8.2.4 Forex signals170

Section 8.3 Foreign Exchange Operation171

8.3.1 Spot or Foreign exchange spot171

8.3.2 Forward171

8.3.3 Swap172

8.3.4 Future or Currency future173

8.3.5 Option or Foreign exchange option175

Section 8.4 Foreign Exchange Exposure176

8.4.1 Types of exposure177

8.4.2 Measurement at risk178

8.4.3 Management at risk179

Notes180

Exercises181

Additional Readings182

Chapter 9 Futures＆Options187

Learning Objectives187

Key Topics187

Section 9.1 Futures trading187

9.1.1 What is Futures ？187

9.1.2 Margins189

9.1.3 Settlement-physical versus cash-settled futures190

9.1.4 Futures traders191

Section 9.2 Futures exchange192

9.2.1 History of futures exchanges192

9.2.2 Clearing and settlement193

9.2.3 Central counterparty193

9.2.4 Mark-to-Market194

Section 9.3 Options194

9.3.1 Contract specifications195

9.3.2 Types195

9.3.3 Option styles197

9.3.4 Trading197

Notes198

Exercises199

Additional Readings200

Part Four Insurance204

Chapter 10 To Understand Insurance204

Learning Objectives204

Key Topics204

Section 10.1 What Is Insurance204

10.1.1 Modern insurance205

10.1.2 Societal effects206

Section 10.2 Insurance policy206

10.2.1 General features207

10.2.2 Parts of an insurance contract208

10.2.3 Industry standard forms209

Section 10.3 Most Important Principles of Insurance209

Section 10.4 Insurance Market212

10.4.1 Insurance Companies212

10.4.2 Reinsurance Companies213

10.4.3 Insurance Intermediaries214

Section 10.5 Insurance Business214

10.5.1 Product Development214

10.5.2 Distribution Channels216

10.5.3 Underwriting216

10.5.4 Loss Settlement217

10.5.5 Reserve219

10.5.6 Investment220

Notes220

Exercise222

Additional Readings223

Chapter 11 Types of Insurance227

Learning Objectives227

Key Topics227

Section 11.1 Personal Insurance227

11.1.1 What is Life Insurance？227

11.1.2 Health Insurance229

11.1.3 Accident Insurance230

Section 11.2 Property Insurance231

11.2.1 History232

11.2.2 Types of Coverage232

11.2.3 Specific types233

11.2.4 US Property Insurance Claims234

Section 11.3 Liability insurance235

11.3.1 What is liability insurance？235

11.3.2 Types of liability insurance236

11.3.3 Insurable risks237

Section 11.4 Reinsurance238

11.4.1 Definition238

11.4.2 Methods of reinsuring238

11.4.3 Forms of reinsurance239

Notes241

Exercises241

Additional Readings243

Part Five Financial Letters246

Chapter 12 The Introduction of Financial Letters246

Learning Objectives246

Key Topics246

Section 12.1 What is Financial Letter？246

Section 12.2 Basic Principles of Financial Letter249

Section 12.3 The Format of Financial Letter250

12.3.1 Standard Parts250

12.3.2 Optional Parts253

12.3.3 Letter Style256

12.3.4 Envelope Addressing259

Notes261

Exercises262

Additional Readings264

Chapter 13 The Types of Financial Letters269

Learning Objectives269

Key Topics269

Section 13.1 Letters concerning bankrelationship269

Section 13.2 Letters Concerning Bank Accounts and Bank Accounting272

Section 13.3 Letters concerning Remittance273

Section 13.4 Letters concerning Documentary Collection276

Section 13.5 Letters concerning Letter of Credit279

Section 13.6 Other Financial Letters282

Notes285

Exercises285

Additional Readings287

Special Terms293

主要参考文献304

配套资料索取说明305