現(xiàn)代金融業(yè)務(wù)

內(nèi)容概要

《現(xiàn)代金融業(yè)務(wù)》是綜合考試中的一門，涵蓋從中國金融業(yè)概述、銀行和金融機(jī)構(gòu)監(jiān)管、中國外匯體制等宏觀方面的知識到銀行中間業(yè)務(wù)、銀行信貸、國際結(jié)算、證券和期貨、保險基礎(chǔ)等微觀業(yè)務(wù)知識。    本書為金融英語證書綜合考試教材《現(xiàn)代金融業(yè)務(wù)》的輔導(dǎo)材料。其結(jié)構(gòu)安排和教材內(nèi)容編排一致，方便讀者閱讀參考，對教材中的難點、重點問題進(jìn)行了詳細(xì)的講解，每章后附有單詞、短語、術(shù)語的釋義，對讀者復(fù)習(xí)迎考有一定的幫助。

書籍目錄

綜述第一部分　中國金融業(yè)概述第二部分　銀行業(yè)與金融機(jī)構(gòu)監(jiān)管第三部分　中國的外匯體制第四部分　會計第五部分　中間業(yè)務(wù)第六部分　貸款第七部分　國際結(jié)算第八部分　證券市場與期貨市場第九部分　保險基礎(chǔ)知識第十部分　銀行函電附錄一　各部分練習(xí)參考答案附錄二　試題選編及答案參考文獻(xiàn)

章節(jié)摘錄

　　Passage Two　　The banking industry plays a critical role in a countrys financial system and eco-nomic development. If any country wants to build a healthy financial system and a sta-ble, balanced economic development, a robust banking industry must be in place. Forthis reason, a banks business and operation should be consistent with its governmentsmacro-economic policy. From a government perspective, if there is over-investment insome industry, or segment, the government will control this overheated industry or seg-ment. If there are insufficient inputs in some industry or segment, and if this industry orsegment is of strategic importance to either peoples life or a countrys development, itwill be very natural for the government to try to mobilize more resources and capitalthere by promulgating macro-economic policy. Then the regulating authorities will seekto use their window guidance function to confine or boost the banking industrys loangrowth to a reasonable level.　　Sometimes, a banks overall loan growth goal and its loan growth aim for a specificindustry is consistent with those of the regulating authorities. It means that the bank hasthe same judgment on the overall economic development and on a specific industrysprospect with the government. In practice, it is shown in the banks decision on lendingbusiness, whether to increase, maintain, gradually decrease or even withdraw the loandisbursement in some industry. While sometimes, it is not the case. Because the gov-ernment views economy from a national perspective and there must be imbalance be-tween different regions and clients.　It is a kind of tradeoff between long-term interestand short-term returns, a healthy national economy and a banks profitability. We can-not deny that there are still some high quality clients in some overheated industry.Banks can still make great profits via lending to them. But for the banking industry, theoverall economic development is the cornerstone of its current and sustainable profit-ability. Therefore, for its lending business, a bank must take the governments macropolicy into consideration, balancing with its own current loan portfolio, and adjust it tobe in line with the governments macro policy and meet the banks own profitabilitygoal.

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