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1、Click to edit Master text styles,Second level,Third level,Fourth level,Fifth level,Click to edit Master title style,Unit 1,Financial System,Study objectives,Grasp terms relating to financial system,1,Understand the roles of financial system,2,3,Learn to express the constitution of financial system,3
2、Key words,phrases and special terms,allocate,deficit,investor,return,consumption,prospective,incentive,pose,maturity,mismatch,coordinate,intermediary,bond,stock,computer chip,periodically,mature,principal,ownership,claim,take in,deposit,depositor,proceeds,portfolio,shareholder,allocate,We allocated
3、 a quarter of the total expenditure to the public services.,公用事业,本年度他们分配到,10,万美元旳外汇配额。,They are allocated an exchange quota of$100,000 for the current year.,2.,allocation,allocation of capital,allocation of resources,资本配置,资源配置,The total cost of the project was found on allocation to be the materials
4、 255,labor 570,machine-hire 175,total 1000.,该项目旳全部费用分配情况如下：材料，劳力，机器租用费,Key words,phrases and special terms,3.deficit,trade deficit make up the deficit deficit financing,4.return,收入，投资回报，收益（,pl.,）,returns on investment,returns on total assets,returns to scales,投资回报,总资产收益,规模酬劳,退货（,pl.,）,returns inward
5、s,returns outwards,销货退回,购货退回,The book stores do not accept returns,even ones in good condition.,Key words,phrases and special terms,5.maturity,the maturity value,the maturity yield,date of maturity,the amount payable on maturity,6.principal,本金，可生息旳资产、资本,到期值,到期收益,到期日,到期应付款项,a principal of$5,000,5000,
6、美元旳本金,我们已经偿还了本金和利息。,We have repaid the principal and interest.,As to the penalty,we must consult our principal.,Key words,phrases and special terms,7.portfolio,investment portfolios,a portfolio of shares,foreign portfolio investment,投资清单,股票清单,国外有价证券投资,Key words,phrases and special terms,Warm up,Supp
7、ose you saved$100,000 and you wanted to make more money from it,how would you deal with the money?Why?,Do you have any experience with banks or mutual funds?Name some banks and funds at home and abroad.,Warm up,If I had so much money,I would deposit$40,000 in the bank for a fixed period.The fixed de
8、posit can earn steady interest for me.Since it has a good liquidity,I can draw on my deposit in need of cash.,$20,000 would be put in various bonds,which are less liquid but more profitable.The prices of stocks fluctuate every day.I may risk losing my investment if choosing a wrong stock.I would onl
9、y put in$20,000 in stocks.,Mutual funds might be a less risky choice,as they are a basket of stocks and bonds operated by a group of experts.A kind of profit-sharing insurance is also worth considering.So the rest$20,000 would be put in mutual funds or insurances.,2009-2023年世界银行排行榜：,Rank Bank 中文名称 C
10、ountry,1 JP Morgan Chase&Co 摩根大通企业 US JPM2 Bank of America Corp 美国银行 US BAC3 Citigroup 花旗集团 US C4 Royal Bank of Scotland 苏格兰皇家银行 UK RBS5 HSBC Holdings 汇丰集团 UK HBC6 Wells Fargo&Co 美国富国银行 US WFC7 Mitsubishi UFJ Financial Group 三菱日联金融集团 Japan MTU8 ICBC 中国工商银行 China9 Credit Agricole Group 法国农业信贷银行 Franc
11、e10 Santander Central Hispano 西班牙国际银行 Spain STD11 Bank of China 中国银行 China12 China Construction Bank Corp 中国建设银行 China,13 Goldman Sachs,高盛集团,US GS14 BNP Paribas,法国巴黎银行,France BNPQY15 Barclays Bank,英国巴克莱银行,UK BCS16 Mizuho Financial Group,日本瑞穗金融集团,Japan MFG17 Morgan Stanley,摩根士丹利企业,US MS18 UniCredit,意
12、大利联合信贷银行,Italy19 Sumitomo Mitsui Financial Group,日本三井住友金融集团,Japan SMFJY20 ING Bank,荷兰国际集团,Netherlands ING21 Deutsche Bank,德意志银行,Germany DB22 Rabobank Group,荷兰合作银行,Netherlands23 Societe Generale,法国兴业银行,France SCGLY24 Agricultural Bank of China,中国农业银行,China25 Intesa Sanpaolo,意大利联合圣保罗银行,Italy IITSF,Tex
13、t,How do savers and,borrowers meet?,.Roles of financial system,To mobilize surplus funds,and to allocate them among deficit people,surplus unit&deficit unit,Methods of mobilizing funds,To ensure the use of funds with net present value,Two fundamental problems,maturity mismatch,risks,Disclosure of in
14、formation,.Constitution of financial system,1.Financial markets,Concept of financial markets,2 most important financial markets,Intel wants to borrow to finance construction of new factory.,To sell bonds:maturity,rate of interest,operation,To sell stock:ownership,a claim to profit,.Constitution of financial system,2.Financial intermediaries,Concept of financial intermediaries,2 most important financial intermediaries,Banks,take in deposit,make loans,pay and charge interest,Mutual funds,portfolio,operation,3.Other components of the financial system,Thank You!,
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