1 & gt； Principles of financial supervision: 1 principle of supervision according to law; 2. The principle of paying equal attention to safety and efficiency; 3. The principle of effective supervision; 4. The principle of controlling moral hazard; 5. Respect the principle of financial institutions' operational autonomy; 6. Principles of international cooperation.

2> The main contents of the core principles are: 1 aiming at improving the banking supervision level of countries around the world through comprehensive application; 2. Scientifically define the position of banking supervision in maintaining financial stability; 3. Banking supervision should not undermine the constraints of the normal operation of the market; 4 Effective supervision must have certain preconditions; 5. Effective supervision should be the whole process supervision; Reducing and controlling risks is the main line of core principles; 7. Implement consolidated supervision of transnational banks and strengthen international cooperation and information exchange; We must combine principle with flexibility.

3> The main functions of commercial banks are: 1 credit intermediary function; 2. Payment intermediary function; 3. Credit creation function; 4 Financial service function.

4> Remarkable features of commercial banks: 1 China Construction Bank is mostly an official bank in the Philippines, and generally adopts the organizational form of a joint stock limited company, and its qualifications are divided into several parts for external sales. Investors who raise funds and buy bank shares become shareholders of the bank. Accept public deposits, including demand deposits, time deposits and savings deposits. 3. For the purpose of pursuing profits, the business scope is wide. The service range is wide, besides mainly engaging in deposit and loan business, it also continuously introduces new products to provide customers with intermediate business and services in the form of wholesale and retail. 5. Internationalization of business development. In order to protect the interests of depositors, it is strictly supervised by the regulatory authorities.

5> business type and management: (1) traditional business: 1 securities issuance and underwriting; 2. Securities brokerage and proprietary business. (2) Innovative business: 1 M&A business of the company; 2. Project financing; 3 financial advisory business. (3) Extended business: 1 fund management business; 2 financial engineering business.

6> Savings deposit principle: 1 voluntary deposit principle; 2. Withdraw from the principle of freedom; 3. The principle of deposit with interest; Principle of confidentiality to depositors.

7> The loan contract of financial institutions has the following legal characteristics: 1 There are specific requirements for its lender qualification; 2 its subject matter can only be monetary funds; Third, paid contracts; The fourth is a promise, a bilateral contract; This is an important contract.

8> The characteristics of recourse are: 1, the legal cause of recourse, that is, the recourse only arises when there is no due payment, no acceptance before the due date or other legal reasons; 2. The premise of recourse form, that is, the holder can only exercise the right of recourse after performing the preservation procedures; 3. The object of recourse is optional, that is, the person subject to recourse is not limited to the direct prior of the holder, but can completely choose any one of them to pursue recourse through recourse; The subject of the right of recourse can be changed, that is, the subject of the right of recourse can be changed by the person who becomes the holder after fulfilling the obligations of the bill, and the right of recourse can be exercised again against his predecessor; 5 The transferability of recourse means that, unlike ordinary creditor's rights, once the recourse is satisfied, it will not be extinguished, but the holder of recourse will continue to pursue it from his predecessor until the last debtor on the bill is paid off and the whole bill relationship will be eliminated.

9> The parties involved in the settlement of letters of credit include: 1 applicant, who applies to the bank to open a letter of credit, that is, the buyer in the buying-selling relationship; The issuing bank refers to the bank that accepts the applicant's application and opens a letter of credit, usually the buyer's bank; The advising bank refers to the bank entrusted by the issuing bank to notify the beneficiary of the letter of credit, usually the branch or agent bank of the issuing bank where the seller is located; Beneficiary refers to the person designated by the new letter of credit who has the right to receive payment from the letter of credit, that is, the seller; Negotiating bank refers to the bank designated by the seller who is willing to buy or discount the documentary draft handed over by the beneficiary. The negotiating bank is usually the advising bank. In China, the negotiating bank must be the beneficiary's bank designated by the issuing bank; The paying bank refers to the paying bank specified in the letter of credit, usually the issuing bank.

10 > Characteristics of trust: 1 Trust is based on the trustor's trust in the trustee, which is maintained by the trustee's dedication to the trustor and trust in the beneficiary. The trustor entrusts the property right to the trustee. The trustor manages and disposes of the trust property in his own name and is the only person who has the right to manage and dispose of the trust property. 4. The largest trust affairs in interest management in which the principal is the beneficiary. 5. Trust property is independent.

1 1 & gt； Function of trust: 1 Transfer and manage property; 2. Property protection function; 3. Property appreciation function; 4 securitization function.

12 > convertible corporate bonds are characterized by: 1 convertible corporate bonds are bonds that can only be issued by joint-stock companies. Convertible corporate bonds are bonds that creditors decide to convert. The issuance conditions of convertible corporate bonds are generally strict to protect the interests of ordinary shareholders and bondholders. The interest rate of convertible corporate bonds is low, and investors are willing to accept this low interest rate mainly because the holders of such bonds have the option to convert such bonds into the issuer's equity.

13 > Characteristics of securities investment funds: 1 Securities investment funds are self-beneficial trusts; 2. Securities investment funds are group trusts; Securities investment funds mainly invest in securities, including stocks, bonds and financial bills. But their investment method is based on the principle of risk diversification. 4. The return on investment of securities investment funds is high. Securities investment funds provide investors with efficient, low-cost and perfect services.

1, object of adjustment of financial law: (1) Economic relations formed by state intervention and management of financial activities. (2) When the central bank and other regulatory agencies perform their functions of leadership, management, coordination and supervision over the entire financial industry, they form a relationship of management and being managed with policy banks and various non-bank financial institutions. (3) The relationship between banks and finance. (4) The relationship between banks and various financial institutions and corporate citizens.

2. Basic principles of financial law: (1) principles to promote the development of financial industry; (2) The principle of moderate competition; (three) the principle of protecting the interests of investors; (4) The principle of separating economy from management; (5) the principle of separate operation; (6) the principle of conforming to international practice

3. Main contents of financial law: banking law, monetary management law, credit law, bank settlement and bill law, trust law, financial leasing law, insurance law, securities law and foreign-related financial law.

4. Central bank function: (1) issuing bank; (2) government banks; (3) the bank's bank; (4) Banks carry out financial regulation and supervision.

5. Principles of securities activities and securities management: (1) Principles of openness, fairness and impartiality; (2) The principles of voluntariness, compensation, honesty and credit; (3) Law-abiding principle; (four) the principle of separate operation and management of securities and other financial industries; (5) The principle of unified government management and industry self-discipline; (6) the principle of national audit supervision

6. Five principles of investment banking: (1) profitability principle; (2) the principle of liquidity; (3) safety principle; (4) Social principle; (5) the principle of innovation.

7. Special functions of policy banks: (1) advocacy function; (2) auxiliary functions; (3) selective function; (4) Service function

8. Principle of RMB issuance: (1) Principle of centralized and unified issuance; (2) the principle of economic distribution; (3) Principles of planned issuance

9. Type of foreign exchange management system: (1) strict foreign exchange management system; (2) Part of the foreign exchange management system; (3) Formally abolish the foreign exchange management system.

10, payment and settlement principle: (1) abide by the principle of credit and performance payment; (2) The principle that whoever gets the money into his account is in charge of who; (3) The principle that banks do not advance.

1 1. Conditions for the effective establishment of a trust: (1) There are legal and definite trust parties; (2) It has a legitimate trust purpose; (3) Having definite trust property; (4) The trust is established according to law.

12. Invalid trust: (1) The purpose of the trust violates laws and administrative regulations or harms the public interest; (2) The trust property cannot be determined; (3) The trustor establishes a trust with illegal property or property whose establishment is prohibited by this Law. (4) establishing a trust for the purpose of litigation or debt; (5) The beneficiary or the scope of the beneficiary cannot be determined; (6) Other circumstances stipulated by laws and administrative regulations.

13. Legal characteristics of the acquisition of listed companies: (1) The acquisition of listed companies takes the shares publicly issued by listed companies as the acquisition target and the listed companies as the acquisition target; (2) The acquisition of listed companies is carried out by investors; (3) The acquisition of a listed company is an act of acquiring control over the company by purchasing shares of the listed company.

14. Definition of selective monetary policy instruments. What are the common selective monetary policy tools? Selective monetary policy tool is a monetary policy tool adopted by the central bank to realize credit control in some special financial fields. The common tools of selective monetary policy are (1) credit control tools in securities market (2) consumer credit control tools (3) real estate credit control tools.

15. Investment banking: 1. Traditional business (1) securities issuance and underwriting (2) securities brokerage and proprietary business; 2. Innovative business (1) company merger and acquisition business (2) project financing (3) financial consulting business; 3. Extended business (1) Fund management business (2) Financial engineering business

16. Characteristics of private lending: (1) It belongs to direct financing of monetary funds (2) It is not based on commodity exchange (3) It is repayable (4) It is temporary, contingent and one-to-one.

17. Legal characteristics of private loan contracts: (1) One of the two parties must be a natural person, or both parties must be natural persons. (2) Although its subject matter is also monetary funds, its sources of funds should be restricted. (3) It can be a paid contract or a free contract. (4) It is a practical unilateral contract. (5) Right and wrong.

18. The Measures for Account Management establishes the following five principles for the management of bank settlement accounts: (1) basic account principle; (2) The principle of independently choosing a bank to open a settlement account; (3) the principle of abiding by the law; (four) the principle of confidentiality of bank settlement account information; (5) The principle of supervision by the People's Bank of China according to law.

1. Operating principles of commercial banks:

(1) efficiency principle

(2) Safety principle

(3) the principle of liquidity

2. Business policy of commercial banks: (1) The policy of independent operation.

(2) the policy of taking risks and taking responsibility for its own profits and losses; (3) the policy of self-discipline.

3. Conditions for applying for establishing a bank:

(1) Having articles of association that conform to the provisions of the Commercial Banking Law and the Company Law.

(2) It meets the minimum registered capital stipulated in the Commercial Bank Law.

(3) Having senior managers with professional knowledge and business experience.

(4) Having a sound organizational structure and management system.

5] Having business premises, safety precautions and other business-related facilities that meet the requirements.

4. The characteristics of the trust industry

(1) The ownership of the trust property is transferred to the trustee, while the ownership of the leased property is still in the hands of the lessor, and the lessee has only the right to use it.

(2) Trust income comes from the operating profit of trust property. Without profit, there is no income, and customers have to pay interest on deposits in banks, regardless of whether the banks have profits or not.

(3) The trustee of the trust business operates for the benefit of the client, and the trustee receives remuneration for labor services instead of sharing dividends with the client. Trust business is not a joint investment that bears risks, and it can be divided into dividends.

5. Characteristics of financial leasing

(1) financing is combined with financing.

(2) Separation of ownership and use right; (3) Repayment of principal and interest by installments in the form of rent.

6. Three forms of financial leasing in China

(1) Self-operated lease

(2) leaseback, referred to as leaseback.

(3) sublease, referred to as sublease.

7. What are the principles that commercial banks and other financial institutions should abide by when granting loans and when borrowers use loans?

(1) principle of legality

(2) The principles of safety, liquidity and efficiency in the use of funds should be followed.

(3) The principles of voluntariness, equality and good faith.

(4) The principle of fair competition and close cooperation.

8. Rights of the Borrower

The borrower's rights are legal, mainly including the following aspects: (1) You can apply for a loan from the host bank or the agent bank of other banks independently, and get the loan according to the conditions; (2) Have the right to withdraw and use all loans as agreed in the contract; (3) Have the right to refuse additional conditions other than the loan contract; (4) Have the right to report relevant information to the superior bank of the lender and the People's Bank of China. 5. With the consent of the lender, have the right to transfer the debt to a third party.

9. The subject of guarantor is prohibited by law: (1) State organs, except those approved by the State Council to provide guarantee for the use of loans from foreign governments or international economic organizations. (two) schools, kindergartens, hospitals and other public institutions and social organizations shall not be used as guarantors. (3) Branches and functional departments of an enterprise as a legal person shall not act as guarantors.

10. Property prohibited from mortgage

(1) Land ownership

(2) Ownership of collectively owned land such as cultivated land, homestead, private plot and private plot.

(3) Educational facilities, medical and health facilities and other public welfare facilities of schools, kindergartens, hospitals and other institutions and social organizations.

(4) Property whose ownership and use right are unknown or controversial.

5] Property sealed up or detained according to law.

[6] Other properties that may not be mortgaged according to law.

1 1. obligations of banks to customers

(1) keeping secrets for depositors; (2) Interest rate announcement; (3) Deposit reserve; (4) Guarantee payment and liability.

12. Principles of RMB issuance

(1) the principle of economic issuance, according to the needs of market development and the requirements of the law of currency circulation. (2) the principle of planned issuance, that is, issuing currency according to the national economic and social development plan. (3) the principle of centralized issuance, that is, the right to issue money is concentrated in the central bank, and other units are prohibited from issuing money without authorization.

13. The negative impact of foreign exchange management on international trade (1) restricts the full play of the regulatory role of the free market. Foreign exchange management is not conducive to the internationalization of production. Foreign exchange management hinders the development of international trade and intensifies the contradictions between countries.

14 .. Principles of stock issuance and trading (1) Principles of openness, fairness and justice (2) Principles of voluntariness, compensation, honesty and credit.

15. Compared with the company's shares, the characteristics of corporate bonds are: (1) Bonds are creditor's rights certificates, and bondholders have the right to claim the company's principal and interest and do not participate in the company's decision-making and operation. Stock is the evidence of shareholders' rights, and shareholders have the right to participate in the company's management and profit distribution. (2) Bonds have a repayment period, while stocks have no repayment period. (3) Bonds usually have a fixed interest rate, which is not directly related to the company's performance, with relatively stable returns and less risk than stocks.

16. Positive conditions for the company to issue bonds: (1) The net assets of a joint stock limited company are not less than RMB 30 million, and the net assets of a limited liability company are not less than RMB 60 million. (2) The total amount of accumulated bonds shall not exceed 40% of the company's net assets. (3) The average distributable profit in the last three years is enough to pay the interest of corporate bonds for one year. (4) The interest rate of the raised funds invested in bonds that meet the national industrial policy (5) shall not exceed the interest rate level stipulated by the State Council. [6] Other conditions stipulated by the State Council.

17. What are the main differences between open-end funds and closed-end funds?

⑴ The variability of fund scale is different. ⑵ Fund shares are bought and sold in different ways. ⑶ The buying price and selling price of fund units are formed in different ways. ⑷ The investment strategies of fund units are different.

18. Main characteristics of futures trading

(1) A futures contract is a contract concluded by and traded on a futures exchange. (2) Futures contracts are standardized contracts. ⑶ The physical delivery rate is low. (four) the futures trading margin system. 5. The futures exchange provides settlement and delivery services and performance guarantees for both parties to the transaction, and implements a strict settlement and delivery system, with little risk of default.

The function of futures market

(1) The price discovery function refers to the formation of futures prices through futures trading in an open, fair, efficient and competitive futures market, which has the characteristics of authenticity, predictability, continuity and authority, and can truly reflect the trend of future commodity price changes. ⑵ The hedging function refers to the futures trading behavior aimed at avoiding the spot price risk.

20. Legal system of futures trading

(1) futures margin system (1) futures trading price limit system (1) daily debt-free settlement system (1) (1) (1) (1) (1) (1) (1) τ τ τ τ 9333.

1. Briefly describe the positive conditions for issuing corporate bonds.

(1) The net assets of a joint stock limited company shall not be less than RMB 30 million, and the net assets of a limited liability company shall not be less than RMB 60 million;

(2) The total amount of accumulated bonds shall not exceed 40% of the company's net assets; (3) The average distributable profit in the last three years is enough to pay the interest of corporate bonds for one year; (4) The investment of the raised funds conforms to the national industrial policy; (5) The bond interest rate shall not exceed the interest rate level stipulated by the State Council; (six) other conditions stipulated by the State Council.

2. Briefly describe the legal system of futures trading.

(1) futures margin system

(2) futures trading price limit system (3) daily debt-free settlement system (4) position limit system and large household declaration system (5) broker behavior management system.

3. Briefly describe the operating principles of commercial banks. (P23-25 years old)

To make a profit ...

security ...

profit ...

4. What is the role of foreign banks in China's economy?

1, which is conducive to attracting foreign investment ... 2. It is beneficial for China to learn from the management experience of foreign banks. ...

3. Provide reference experience for the reform of financial management system in China. ...

5. Briefly describe the characteristics of trust industry.

1. The ownership of the trust property is transferred to the trustee, while the ownership of the leased property is still in the hands of the lessor, and the lessee has only the right to use it.

2. Trust income comes from the operating profit of trust property. Without profit, there is no income, and customers have to pay interest on their savings in the bank, regardless of whether the bank has profit or not.

3. The trustee of the trust business operates for the benefit of the client, and the trustee collects labor remuneration instead of sharing dividends with the client. Trust business is not a joint investment that bears risks, and it can be divided into dividends.

6. What are the principles that commercial banks and other financial institutions should abide by when issuing loans and borrowers use loans?

1, principle of legality

2, the use of funds should follow the principles of safety, liquidity and efficiency. This is the basic operating principle of commercial banks.

3. The principles of voluntariness, equality, honesty and credit. The principle of fair competition and close cooperation.

7. What are the important differences between open-end funds and closed-end funds?

1. The variability of fund size is different. 2. Fund units are bought and sold in different ways. 3. The buying price and selling price of fund units are formed in different ways. 4. The investment strategies of fund units are different.

8. Briefly describe the conditions for the establishment of commercial banks.

(1) It has articles of association that conform to the provisions of the People's Republic of China (PRC) Commercial Bank Law and the Company Law; (2) Having the minimum registered capital as stipulated in the Commercial Bank Law; That is, 654.38 billion yuan. The minimum registered capital of urban cooperative commercial banks is 1 100 million yuan, and that of rural cooperative commercial banks is 50 million yuan.

(3) Having the chairman (president), general manager and other senior managers with professional knowledge and business experience; (4) Having a sound organizational structure and management system;

(5) Having a business place, safety precautions and other business-related facilities that meet the requirements.

9. Briefly describe the principle of issuing RMB.

(1) The principle of economic issuance is to issue currency according to the needs of market economy development and the requirements of currency circulation law;

(two) the principle of planned issuance, that is, issuing currency according to the national economic and social development plan; (3) the principle of centralized issuance, that is, the right to issue money is concentrated in the central bank, and other units are prohibited from issuing money without authorization.

10. Briefly describe the business policies of commercial banks.

(1) Independent Operation Policy

(2) The policy of taking risks and assuming sole responsibility for profits and losses; (3) Self-discipline policy.

1 1. What are the basic principles of stock issuance and trading?

(1) Principles of justice, fairness and openness (2) Principles of voluntariness, compensation, honesty and credibility.

12. Briefly describe the functions of the futures market

(1) Discovering Price Function (2) Hedging Function

13. What are the characteristics of corporate bonds compared with stocks?

(1) Bonds are proof of creditor's rights, and bondholders have the right to claim the company's principal and interest and do not participate in the company's decision-making and operation. Stock is the evidence of shareholders' rights, and shareholders have the right to participate in the company's management and profit distribution.

(2) bonds have a repayment period, but stocks do not.

(3) Bonds usually have a fixed interest rate, which is less risky than stocks. When the company goes bankrupt, the bondholders have priority over the shareholders in claiming the remaining assets of the company.

14. Briefly describe the main contents of the futures trading position limit system.

(1) Specify the position limit according to the margin amount.

(2) Number of posts held by members

(3) Restrictions on customer positions

15. Briefly describe the obligations of banks to customers.

(1) Keep it confidential for depositors;

(2) Interest rate announcement;

(3) Deposit the deposit reserve with the central bank, and keep sufficient reserve;

(4) Guarantee the repayment of principal and interest, and assume the responsibility of deferred payment.

16. Briefly describe the basic rules of loan and operation of commercial banks: (1) capital adequacy ratio supervision, that is, the capital adequacy ratio is not less than 8%; (2) loan balance limit, that is, the ratio of loan balance to deposit balance shall not exceed 75%; (3) the limit of current assets balance, that is, the ratio of current assets balance to current liabilities balance is not less than 25%; (4) the loan limit of the same borrower. That is, the ratio of the loan balance to the capital balance of a commercial bank to the same borrower does not exceed 65,438+00% (V) Restrictions on related party loans. Commercial banks may not issue credit loans to related parties; The conditions for granting secured loans to related parties shall not be superior to those for similar loans of other borrowers.

17. Briefly describe the basic principles of stock issuance and trading.

18. Briefly describe the principle of RMB issuance.

(1) The principle of economic issuance is to issue currency according to the needs of market economy development and the requirements of currency circulation law; (two) the principle of planned issuance, that is, issuing currency according to the national economic and social development plan;

(3) the principle of centralized issuance, that is, the right to issue money is concentrated in the central bank, and other units are prohibited from issuing money without authorization.

19. Briefly describe the scope of guarantor prohibited by China's guarantee law.

(1) State organs shall not act as guarantors, except that loans from foreign governments or international economic organizations are used for lending with the approval of the State Council. (two) schools, kindergartens, hospitals and other public institutions and social organizations shall not be used as guarantors. (3) Branches and functional departments of an enterprise as a legal person shall not act as guarantors. If the branch of an enterprise as a legal person has written authorization from the legal person, it may provide guarantee within the scope of authorization.

20. What are the situations in which China laws prohibit the trading of stocks?

(1) Directors, supervisors, senior managers and shareholders holding more than 5% of the company's shares sell their shares within 6 months after purchase or sell them within 6 months after sale, and the profits thus obtained shall be owned by the company. (2) Employees of stock exchanges, securities companies, securities registration and settlement institutions, staff of securities supervision and administration institutions and other personnel who are prohibited by law from participating in stock trading shall not hold, trade or accept donated stocks directly or under a pseudonym during their term of office or within the statutory time limit. (3) Professional institutions and personnel who issue audit reports, asset appraisal reports, legal opinions and other documents for stock issuance shall not buy or sell stocks during the underwriting period and within 6 months after the expiration. (4) Professional institutions and personnel who issue audit reports, asset appraisal reports, legal opinions and other documents for listed companies shall not buy or sell stocks within 5 days after accepting the entrustment of listed companies. (5) The company shall not purchase shares of the company except for cancellation or merger with the company holding shares of the company to reduce its registered capital.

2 1. What are the characteristics of futures trading?

(1) Futures contracts are contracts made by and traded in futures exchanges. (2) Futures contracts are standardized contracts. (3) The physical delivery rate is low. (four) the futures trading margin system.

(5) The futures exchange provides settlement and delivery services and performance guarantees for both parties to the transaction, and implements a strict settlement and delivery system, with little risk of default.

22. Briefly describe the rights of the borrower: (1) You can apply independently and get a loan according to the conditions.

(2) Have the right to withdraw and use all loans according to larger contracts; (3) Have the right to refuse the additional conditions beyond the contract; (4) Have the right to reflect and report relevant information to the superior and relevant departments of the lender; (5) Have the right to transfer the debt to a third party after obtaining the consent of the lender.

23. Briefly describe the negative impact of foreign exchange management on international trade. 187- 189

(1) Restrict the full play of market regulation; (2) It is not conducive to the internationalization of production; (3) It hinders the development of international trade and intensifies the contradictions between countries.

24. Briefly describe the characteristics of the trust industry.

1. The ownership of the trust property is transferred to the trustee, while the ownership of the leased property is still in the hands of the lessor, and the lessee has only the right to use it. 2. Trust income comes from the operating profit of trust property. Without profit, there is no income, and customers have to pay interest on deposits in banks, regardless of whether the banks are profitable or not. 3. The trustee of the trust business operates for the benefit of the client, and the trustee collects labor remuneration instead of sharing dividends with the client. Trust business is not a joint investment that bears risks, and it can be divided into dividends.

25. Briefly describe the characteristics of financial leasing. 107- 108

1. Financing and financing combination

2. Separation of ownership and use right. Repay the principal and interest in installments in the form of rent.

26. Briefly describe the operating principles of commercial banks.

Answer: 1, efficiency principle ... 2, safety principle ... 3, liquidity principle. ...