金融英語第2版

演講人：日期：金融英語第2版目錄OverviewofFinancialEnglishFinancialmarketsandinstitutionsFinancialProductsandBusinessFinancialRiskandManagementInternationalFinanceandGlobalization01OverviewofFinancialEnglishDefinitionFinancialEnglishisaspecializedformofEnglishlanguageusedinthefinancialindustry,encodingvocabulary,terminology,andcoursespecifictofinance,banking,investments,andrelatedfieldsImportanceProficiencyinFinancialEnglishiscriticalforeffectivecommunicationintheglobalfinancialmarket,facilitatingunderstandingofcomplexfinancialconcepts,transactions,andregulationsTheDefinitionandImportanceofFinancialEnglishFinancialEnglishhasevolvedovertimetoincorporatenewtermsandconceptsasthefinancialindustryhasgrownanddevelopedEvolutionofFinancialTerminologyTheincreasingglobalizationoffinancehasledtothewidespreaduseofFinancialEnglishasalinguafrancaforinternationalfinancialtransactionsandcommunicationsGlobalizationofFinanceTheDevelopmentHistoryofFinancialEnglishBankingandFinanceFinancialEnglishiswidelyusedinbankingandfinance,includingretailbanking,investmentbanking,wealthmanagement,andinsuranceInvestmentsandAssetManagementProfessionalsininvestmentsandassetmanagementarerelativelyonFinancialEnglishtocommunicateaboutportfoliomanagement,riskassessment,andmarketanalysisInternationalTradeandCommerceFinancialEnglishfacilitiesinternationaltradeandcommercebyenablingpartiestounderstandandnegotiatecomplexfinancialagreementsandcontractsTheapplicationfieldsoffinancialEnglishRegulatoryandComplianceInthehighlyregulatedfinancialindustry,FinancialEnglishisessentialforunderstandingandcompilingwithinternationalfinancialregulationsandstandardsTheapplicationfieldsoffinancialEnglish02FinancialmarketsandinstitutionsWheresecuritiesarecreatedandsoldforthefirsttime,ofteninvolvingunderwritingbyinvestmentbanksPrimaryMarketsWherepreviouslyissuedsecuritiesarebulkyandsolidamonginvestors,facilitatingliquidityandpricediscoverySecondaryMarketsShorttermdebtmarketsforhighliquidinstrumentssuchastreasurybills,commercialpaper,andrepostMoneyMarketsLongtermdebtandequitymarkets,includingbonds,stocks,andderivativesCapitalMarketsClassificationandFunctionofFinancialMarketsCommercialBanksProvidearangeofbankingservicestoindividualsandbusinesses,includingdeposits,loans,andpaymentservicesInvestmentBanksAssistinraisingcapitalandfacilitatingtradesandacquisitions,aswellasprovidingadviceoncorporatefinanceandstrategyInsuranceCompaniesOfferriskmanagementproductssuchaslife,health,property,andcaseinsurancetoprotectindividualsandbusinessesfromfinanciallossesTypesandresponsibilitiesoffinancialinstitutionsPensionsFundsandMutualFundsManagepoolsofmoneyonhalfofinvestors,investinginadiverserangeofassetstomeetlongtermfinancialgoalsTypesandresponsibilitiesoffinancialinstitutionsFinancialmarketsprovideaplatformforfinancialinstitutionstotradesecuritiesandmanagerisksFinancialinstitutionsactasintermediariesbetweensaversandborrowers,channelingfundsfromthosewithsurpluscapitaltothoseseekingtoinvestorfinancetheiroperationsTheefficiencyandstabilityoffinancialmarketsarerelativelyonthesoundnessandregulationoffinancialinstitutions,whichinturnaffectstheoveralleconomyInnovationsinfinancialmarkets,suchasthedevelopmentofnewfinancialproductsandtechnologies,oftenleadingtochangesintherolesandresponsibilitiesoffinancialinstitutionsTherelationshipbetweenfinancialmarketsandinstitutions03FinancialProductsandBusinessBankingProductsTheseincludesavingsaccounts,checkingaccounts,certificatesofdeposit(CDs),andmoneymarketaccountsTheyarecharacterizedbylowriskandstablereturnsInvestmentProductsTheseincludestocks,bonds,mutualfunds,andexchangetradedfunds(ETFs)TheyofferhigherpotentialreturnsbutalsocomewithhigherrisksInsuranceProductsTheseincludelifeinsurance,healthinsurance,propertyinsurance,andcasualinsuranceTheyprovidefinancialprotectionagainstpotentiallossesTypesandcharacteristicsoffinancialproductsDerivativeProductsThesearecomplexfinancialinstrumentswhosevalueisderivedfromanunderlyingassetsuchasastock,bond,community,orcurrencyTheyareoftenusedforhedgingorcalculationTypesandcharacteristicsoffinancialproductsCustomerDueDiligenceFinancialinstitutionsmustconductthroughchecksontheircustomerstoensuretheymeetregulatoryrequirementsandassesstheriskofdoingbusinesswiththemKnowYourCustomer(KYC)ThisisaprocesswherefinancialinstitutionsgatherinformationabouttheircustomerstoverifytheiridentityandassesstheirsuitabilityforobtainingfinancialproductsAntiMoneyLaunching(AML)FinancialinstitutionsarerequiredtoimplementAMLprocedurestodetectandpreventtheflowofillegalfundsthroughtheirsystemsTheprocessandstandardsoffinancialbusinessTheprocessandstandardsoffinancialbusinessRiskManagementFinancialinstitutionsmustidentify,assess,monitor,andcontroltherisksassociatedwiththeirbusinessactivitiestoensuretheyremainsolventandcompliantwithregulatoryrequirementsDigitalizationTheincreasinguseoftechnologyinfinanceisleadingtothedevelopmentofnewdigitalfinancialproductsandservicessuchasonlinebanking,mobilepayments,androbotadvisorsArtificialIntelligenceAIisbeingusedinfinancetoautomateprocesses,improvecustomerservice,anddevelopnewproductsandservicesBlockchainTechnologyBlockchainisadecentralizedledgertechnologythatisbeingusedtocreatenewtypesoffinancialproductsandservicessuchascryptocurrenciesandsmartcontractsInnovationTrendsinFinancialProductsandBusinessesPeertoPeerLendingP2Plendingplatformsaredisruptingthetraditionalbankingmodelbyconnectingborrowersandlendingdirectly,reducingcostsandincreasingaccesstocreditInnovationTrendsinFinancialProductsandBusinesses04FinancialRiskandManagementThelikelihoodoflossarisingfromaborrower'sfailuretorepayaloanormeetcontractualobligationsCreditRiskTheriskoflossesinpositionsarisingfrommovementsinmarketprices,suchasinterestrates,equityprices,andcurrencyexchangeratesMarketRiskTheriskoflossresultingfrominadequateorfailedinternalprocesses,people,andsystems,orfromexternaleventsOperationalRiskTheriskthataninstitutionwillnotbeabletomeetitsfinancialobligationsastheycomeduetoitnotbeingliquidassetsorobtainingequalfundingLiquidityRiskTypesandidentificationoffinancialrisksIdentificationandMeasurementAccuratelyidentifyingandquantifyingthetypesandlevelsofriskaninstitutionfacesRiskmitigationImplementingstrategiestoreducetheimpactofpotentiallossesthroughdiversification,hedging,andotherriskreductiontechniquesMonitoringandReportingContinuouslymonitoringriskexposuresandreportingkeyriskindicatorstoseniormanagementandregulationsPrinciplesandMethodsofFinancialRiskManagementPrinciplesandMethodsofFinancialRiskManagementGovernanceandComplianceEstablishingarobustgovernanceframeworkwithclearlinesofresponsibilityandensuringcompliancewithrelevantlaws,regulations,andinternalpoliciesComplexityofFinancialMarketsManagingriskinaglobal,interconnectedfinancialsystemwithcomplexproductsandinterdependenciesRapidlyChangingRegulatoryEnvironmentAdaptingtoevolvingregulatoryrequirementsandstandardswhilemaintainingeffectiveriskmanagementpracticesTechnicalInnovationandCyberRiskAddressingtherisksassociatedwithnewtechnologies,suchasartificialintelligenceandblockchain,whileprotectingagainstcellthreatsTheChallengesandCountermeasuresofFinancialRiskManagementEthicalandBehavioralConsiderationsManagingtheimpactofhumanbehavioronrisk,includingissuesrelatedtoconduct,culture,andethicsTheChallengesandCountermeasuresofFinancialRiskManagement05InternationalFinanceandGlobalizationEmergenceofinternationalfinancialcentersLocationssuchasLondon,NewYork,andTokyohavebecomehubsforglobalfinancialactivity,attractingbanks,investmentfirm,andotherfinancialinstitutionsEvolutionoffinancialinstrumentsThedevelopmentofcomplexfinancialproductssuchasderivatives,swaps,andoptionshavefacilitatedcrossbordertransactionsandriskmanagementIntegrationofdomesticandinternationalmarketsTechnicaladvancementsanddeductionhaveledtotheintegrationofdomesticandinternationalfinancialmarkets,allowingcapitaltoflowfreelyacrossbordersTheformationanddevelopmentofinternationalfinancialmarketsIncreasedcompetitionGlobalizationhasledtointensivecompetitionamongfinancialinstitutions,drivinginnovationandefficiencybutalsoposingchallengesforsmallorlesscompetitiveplayersComplexityandvolatilityTheinterconnectivityofglobalfinancialmarketshasincrea