金融的英語介紹

金融的英語介紹演講人：日期：目錄BasicConceptsandSystemsofFinanceIntroductiontoBankingBusinessandProductsAnAnalysisoftheOperatingMechanismoftheSecuritiesMarketAnalysisoftheCurrentSituationandDevelopmentTrendsoftheInsuranceIndustryBasicConceptsandSystemsofFinance01Financereferstothemanagementofmoneyandotherassets,includingtheprocessesofinvestment,borrowing,lending,andriskmanagementDefinitionTheprimaryfunctionoffinanceistoensurethatfundsareavailablewhenneededandareusedeffectivelyandeffectivelytoachieveindividualororganizationalgoalsFunctionFinancialDefinitionandFunctionFinancialInstitutionsTheseincludebanks,insurancecompanies,pensionfunds,investmentbanks,andotherorganizationsthatprovidefinancialservicesRegulationFinancialregulationinvolvesgovernmentagenciesthatoverseeandsupervisefinancialinstitutionstoensuretheyoperatesafely,soundly,andinthebestinterestsofthepublicFinancialinstitutionsandregulationsMoneyMarketsWhereshorttermfundsaretraded,suchasthroughinterbanklendingandshorttermgovernmentsecuritiesDerivativesMarketsWherefinancialinstrumentssuchasfutures,options,andswapsaretradedtomanagerisksCapitalMarketsWherelongtermfundsareraisedandinvested,includingthestockandbondmarketsFinancialmarketclassificationTechnicalInnovationTheincreasinguseoftechnologyinfinance,suchasartisticintelligence,blockchain,andcloudcomputing,isdrivingchangesintheindustryGlobalizationofFinancialMarketsTheintegrationoffinancialmarketsacrossbordersisleadingtoincreasedcompetitionandopportunitiesforinvestorsSustainableFinanceThereisagrowingfocusonenvironmental,social,andgovernance(ESG)factorsininvestment,leadingtothedevelopmentofgreenbondsandothersustainablefinanceproductsFinancialDevelopmentTrendsintheContextofGlobalizationRegulatoryChallengesAsfinancialmarketsbecomemoreglobalized,thereisaneedforgreatercoordinationandharmonizationofregulatorystandardsacrosscountriesFinancialDevelopmentTrendsintheContextofGlobalizationIntroductiontoBankingBusinessandProducts02DemanddepositsThesearedepositsthatcanbewithdrawnatanytimewithoutnoticeTheyusuallydonotearninterestbutprovideconventionforthedepositorTimedepositsThesedepositsareheldforafixedterm,usuallyatahigherinterestratethandemanddepositsHowever,theymaynotbedrawnwithoutpenaltybeforethetermendsSavingsdepositsThesedepositstypicallyearnamodeledinterestrateandallowforlimitedwithdrawalsTheyaresuitableforindividualswhowanttosavemoneywhilemaintainingsomeflexibilityTypesandcharacteristicsofdepositbusinessCreditassessmentThebankwillassessthecreditworthinessoftheborrowerbasedonfactorssuchasincome,employmentstatus,andcredithistoryLoanapplicationTheborrowerneedstosubmitaloanapplicationandprovidenecessarydocumentssuchasproofofincome,identification,andcollateral(ifapplicable)ApprovalprocessThebankwillreviewtheloanapplicationandmakeadecisionbasedontheborrower'screditworthinessandthetermsoftheloanLoanexpenseOncetheloanisapproved,thebankwillexpensethefundstotheborrower,usuallythroughadirectdepositintotheborrower'saccountLoanbusinessapprovalprocessandconditionsInvestmentproductsTheseproductsaredesignedtohelpindividualsgrowtheirwealthovertimeTheymayincludestocks,bonds,mutualfunds,andothersecuritiesThebankmayproviderecommendationsonsuitableinvestmentproductsbasedonthecustomer'sriskprofileandinvestmentobjectivesWealthmanagementproductsTheseproductsaretypicallymorecomprehensiveandmayincludearangeofservicessuchasfinancialplanning,assetallocation,andportfoliomanagementThebankwillassessthecustomer'sfinancialsituationandgoalstorecommendappropriatewealthmanagementstrategiesRecommendationandriskassessmentofinvestmentandwealthmanagementproductsRiskassessmentThebankwillconductariskassessmenttodeterminethelevelofriskassociatedwitheachinvestmentorwealthmanagementproductThisassessmentwillconsiderfactorssuchasmarketvolatility,creditrisk,andliquidityriskRecommendationandriskassessmentofinvestmentandwealthmanagementproductsRemittanceservicesTheseservicesallowindividualstosendmoneyovertofamilyandfriendsThebankmayofferdifferentdistanceoptionssuchaswiretransfers,checks,oronlinepaymentsInternationaltradesettlementThebankmayprovidesettlementservicesforinternationaltradetransactions,includingthehandlingofimportandexportpaymentsandtheprocessingoftradedocumentsForeigncurrencyexchangeThebankcanfacilitatetheexchangeofforeigncurrencies,allowingcustomerstoconverttheirmoneyintodifferentcurrenciesforinternationaltransactionsortravelCrossborderpaymentandsettlementservicesCrossorderfinancingForbusinessesoperatingacrossborders,thebankmayofferfinancingsolutionssuchasinternationalloansortradefinancetosupporttheiroperationsCrossborderpaymentandsettlementservicesAnAnalysisoftheOperatingMechanismoftheSecuritiesMarket03BasicPrinciplesandTradingRulesoftheStockMarketThestockmarketoperationsarebasedontheprinciplesoffairness,transparency,andefficiencyAllmarketparticipantsshouldhaveequalaccesstoinformationandtradingopportunitiesPrinciplesTradingonthestockmarketfollowsspecificrulesandregulations,includingpricedetermination,tradinghours,andsettlementproceduresTheserulesaimtoensuretheorderedconductoftransactionsandprotectinvestors'interestsTradingRulesIssueGuidelinesTheissueofbondsinthemarketfollowsstrictguidelines,includingthereliabilitycriteriaforissuers,thedisclosureofrelevantinformation,andthepricingofbondsTradingGuidelinesBondtradinginvestmentsbuyingandsellingbondsonthesecondarymarketGuidelinesforbondtradingincludethedeterminationoftradingprices,settlementprocedures,andthehandlingoftradingdisputesGuidelinesforBondMarketIssuance,Trading,andRepurchaseOperationsRepurchaseOperationsRepurchaseagreements(repos)arecommoninthebondmarket,allowingpartiestosellbondswithanagreementtorepurchasethematalaterdateGuidelinesforrepooperationsincludethetermsandconditionsoftheagreement,collectiverequirements,andriskmanagementmeasuresGuidelinesforBondMarketIssuance,Trading,andRepurchaseOperationsFuturesTradingStrategiesFuturescontractsallowinvestorstospecifyonthefuturepricemovementsofunderlyingassetsTradingstrategiesforfuturesincludinghedging,ambitrade,andtrendfollowingOptionsTradingStrategiesOptionscontractsgiveinvestorstheright,butnottheopposition,tobuyorsellanunderlyingassetataspecifiedpriceonorbeforeacertaindateTradingstrategiesforoptionsincludingcoveredcalls,protectiveputs,andladdersTradingstrategiesforderivativessuchasfuturesandoptionsFundEstablishmentSecuritiesinvestmentfundsareestablishedthroughthepoolingoffundsfrommultipleinvestorsThefund'sobjectives,investmentstrategy,andriskprofileareclearlydefinedduringtheestablishmentprocessFundManagementThefundmanagerisresponsibleformanagingthefund'sportfolio,makinginvestmentdecisionsbasedonmarketresearchandanalysisThemanageraimstoachievethefund'sinvestmentobjectiveswhilemanagingrisksOperationprocessofsecuritiesinvestmentfundsFundOperationFundoperationsinvolvethedailyadministrationofthefund,includingthehandlingofinvestorsubscriptionsandredemptions,thecalculationoffundNAVs(NetAssetValues),andthepreparationoffinancialstatementsFundComplianceandRegulationSecuritiesinvestmentfundsmustcomplywithrelevantregulationsandguidelinessetbyregulatorybodiesThisincludesadheringtoinvestmentrestrictions,disclosingrelevantinformationtoinvestors,andensuringtheproperhandlingofconflictsofinterestOperationprocessofsecuritiesinvestmentfundsAnalysisoftheCurrentSituationandDevelopmentTrendsoftheInsuranceIndustry04TypesandcoverageofinsuranceproductsLifeinsuranceCoverstheriskofdeathordisability,providingfinancialsecurityforbenefitsHealthinsuranceCoversmedicalexpensesincurredduetoillnessorinjury,includinghospitalization,surgery,andmedicinePropertyinsuranceCoversdamagetoorlossofpropertyduetofire,theft,naturaldisasters,etcLiabilityinsuranceCoverslegalliabilitiesarisingfromaccidentsthatcauseharmtothirdpartiesUnderwritingprofilesEarnedthroughthecollectionofpremiumsandthepaymentofclaims,withthedifferencerepresentingtheprofileInvestmentincomeGeneratedthroughtheinvestmentofpremiumscollected,suchasinbonds,stocks,andrealestateFeesandcommissionsEarnedthroughthesaleofinsuranceproductsandtheprovisionofrelatedservicesExploringtheProfitModelofInsuranceCompaniesExploringtheProfitModelofInsuranceCompaniesRiskmanagementanddiversificationByspreadingriskacrossalargepoolofpolicyholdersandinvestinginadiversifiedportfolio,insurancecompaniescanmitigatelossesandincreaseprofitsOnlineinsuranceplatformsTheseplatformsallowcusto