Finance is mainly used for the issuance and transfer of securities, the absorption and payment of deposits, the issuance and recovery of loans, and transactions such as foreign exchange, gold and silver, insurance, trust and domestic and foreign currency settlement. The content can be summarized as the issuance and withdrawal of money.

Institutions engaged in financial activities mainly include banks, trust and investment companies, insurance companies, securities companies, investment funds, credit cooperatives, finance companies, financial asset management companies, postal savings institutions, financial leasing companies, securities, gold and silver, foreign exchange exchanges, etc.

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FINANCE or finance is an equivalent cycle to realize value and profit after re-integration of existing resources. The professional view is that the process from saving to investment can be narrowly understood as financial dynamic monetary economics. )

Finance is the behavior that people make decisions on the optimal allocation of resources in an uncertain environment.

Finance is a trading activity, and financial trading itself does not create value. Then why does it make money in financial transactions? Mr. Chen Zhiwu believes that financial transactions are a way to realize future income, that is, tomorrow's money will be spent today. If we spend more money tomorrow, will it cause inflation?

Simply put, the frequency of financial transactions is an important indicator reflecting the economic prosperity of a region, a region and even a country.

The concept of traditional finance is a subject that studies the circulation of money and funds. The essence of modern finance is the capitalization process of business activities.

The western definition, the New palgrave Dictionary of Economics, refers to the operation of the capital market, the supply and pricing of assets. Its basic contents include efficient market, risk and return, substitution and arbitrage, option pricing and corporate finance.

Gold once became the only medium of international trade. In the era of barter economy, businessmen can only carry out counterpart transactions and barter. Therefore, human economic activities are greatly restricted. In the era of gold standard economy, value and wealth are based on physical assets-gold. This objective physical method is very beneficial to the stable development of the global economy.

However, as the carrier of value circulation, gold's disadvantages, such as inconvenient physical conditions such as handling, carrying and conversion, make it give way to more flexible paper money (currency).

Nowadays, the monetary economy not only replaces the original barter economy, but also covers the gold standard economy. Monetary economy brings unprecedented economic freedom to mankind, but also brings many troubles and problems to mankind, such as unbalanced world trade, inconsistent values, inflation, currency depreciation, ups and downs of economic development and so on.

One of the important macro factors that triggered the global financial crisis is the global trade imbalance.

The original intention of breaking away from the gold standard was to achieve economic freedom and stable development, but it backfired. In today's diversified currency, the "gold content" of modern finance is getting less and less, but its connotation, function and risk are getting wider and wider, which has penetrated into every corner of society and everyone's life.

Nowadays, although the "gold content" of finance is getting less and less, its liquidity as a value is getting stronger and stronger. Finance has become the "blood" of the whole economy and penetrated into all aspects of society.

Human activities will promote blood flow. Similarly, all economic activities will promote the flow of finance (capital and value). Without liquidity, finance will become a "pool of stagnant water" and its value cannot be converted; If the value can't be converted, the economy can't run; If the economy can't run, new value can't be generated; If it can't produce new value, human society can't develop.

On the contrary, when the financial crisis develops to a certain extent, it will turn into an economic crisis; When the economic crisis develops to a certain extent, it will turn into a social crisis. This is an objective financial law independent of human consciousness.

What does financial loan mean? I'm here to see a professional explanation.

1, financial lending is an act that users borrow money from banks, which can also be called bank loans. Financial lending institutions mainly include domestic banks, foreign banks, investment banks, savings and loan associations, credit cooperatives and other financial companies.

2. The interest rate of financial loans is implemented according to the benchmark interest rate of the central bank, and fluctuates with the adjustment of the interest rate of the central bank, with a fluctuation range of about 6%. Borrowing in a broad sense refers to the general name of borrowing funds, including loans, discounts and overdrafts.

What exactly do banks do in terms of loans? Like selling insurance?

What exactly do banks do in terms of loans? Like selling insurance?

Its task is to strive for corporate deposits, review and issue corporate loans.

Employees of the credit department are generally called loan officers or project managers, and different banks have different names. Everyone is responsible for several enterprises (or units). They should be familiar with the business and financial situation of the enterprise and master the use of enterprise loans.

What is the significance of loans to banks? What is the main job of a bank loan officer?

1. Loan belongs to the asset business of commercial banks, and it is the most important business activity, the most profitable economic activity and the biggest source of profit.

2. Commercial banks support the production and circulation of various economic components of society through loans and promote economic growth.

There are different types of loans, such as short-term, medium-term and long-term loans, one-time and installment loans, credit and secured loans, and so on.

4. The staff responsible for the loan should check all aspects of the loan, such as the qualification examination of the loan applicant, the setting of the loan terms, the design of the loan interest rate, and the repayment tracking of the loan. To ensure the safe income of the loan.

Can bank loan officers go out of the province?

You are asking a strange question.

There may be some doubts about going abroad.

What does it matter to go out of the province?

As long as there are no work restrictions, there is no problem.

What exactly do you do when you graduate from insurance master's degree?

1, as a teacher

2. Dr. Gao

3. Access to the financial system

4. Insurance securities

5, to the enterprise engaged in data analysis.

What exactly does a risk manager of a bank do?

Responsibilities of the General Manager of Risk Management Department:

1. Formulate and organize the implementation of the annual work plan of the risk management department;

2. Take the lead in formulating the internal management system, business process and operating procedures of the department;

3. Approve the credit business within the delegated authority, and review the review report of the loan review post;

4. Be responsible for conveying the spirit of the risk management condition document of the Head Office and the implementation of the credit policy of the Head Office in branches;

5. Spot check and review the important business data of daily risk management;

6. Organize monthly and quarterly credit risk classification meetings;

7. Organize and arrange post-loan management of credit business;

8. Submit the asset quality analysis report of the branch to the Risk Management Department of the Head Office regularly (monthly) or irregularly, and be responsible for reporting the major risk events of the branch;

9. Collate the feedback opinions of branches on the credit policies and systems of the Head Office, form relevant improvement suggestions and report them to the Risk Management Department of the Head Office in a timely manner;

10, responsible for the daily management assessment of employees in this department.

What exactly does asset appraisal do in banks?

In fact, many departments of banks are suitable for asset evaluation, and loan management, especially value management, is often considered to be the most suitable; Secondly, you can engage in bank investment, such as bond trading; There is also the investment banking department of the bank, which is the upstream of the industrial chain where the evaluation is located, but it has certain correlation with the evaluation; In addition, because the asset appraisal has a certain financial basis, in fact, the work of the bank's financial planning department is also competent.

What is the main job of group training for insurance companies? What do you usually do?

It is a main training, not a group training, and is mainly responsible for the company's performance attendance statistics, product promotion and new training. Similar to company executives.

What exactly does an electronic engineer do?

Electronic engineer refers to a high-level engineering and technical personnel engaged in the research, teaching, product design, scientific and technological development, production and management of various electronic devices and information systems. Generally divided into hardware engineers and software engineers. Hardware engineers are mainly responsible for circuit analysis and design; And use computer software as a tool to design PCB, and test and debug it after making PCB and welding electronic components in the factory. Software engineers are mainly responsible for programming and debugging embedded programs such as microcontroller, DSP, ARM and FPGA. FPGA programs sometimes belong to the work of hardware engineers.

Work content:

1, research, development, design and production of integrated circuits, semiconductor discrete devices, electric vacuum devices and special devices;

2. Research, development, design and production of resistance-capacitance components, sensitive components, magnetic devices, timely crystals and devices, electronic ceramics and piezoelectric devices, ferroelectric crystal devices, electromechanical components, electronic cables, optical fiber cables, chemical and physical power supplies, and the application of laser and infrared technology;

3. Research and development of electronic component packaging technology and its application;

4. Research and development of electronic component testing technology and its application.

5. Scientific and technological research.

What exactly does the account manager of Minsheng Bank do?

I am the account manager of Minsheng Bank.

Your question is simple. Answer in three words: pull the deposit.

Basically, it is to use various means to pull deposits through various channels, whether it is wealth management, funds or business. It boils down to two words: deposit,

Keep a good relationship with a customer just to keep his money in your name for a long time. Why?

Because your deposit is directly linked to your income, most account managers send employees, that is, informal employees, so your salary base is much lower than that of regular employees. In order to get more money, we can only rely on bonuses, which are directly deducted by 0. 15%. The more deposits approved in your name, the more your salary will be, and if you want to become a full-time employee, you have to rely on deposits. At present, the scores of 25 million deposits are all positive, but mainly the branches will give you a task, that is, how much deposits you should introduce at least in how long, otherwise even if the task is not up to standard, your performance will be deducted, and you will be warned and discouraged if you do so for a long time. Several of my colleagues are on fire now.

Therefore, I advise you not to be an account manager if you don't have a stable relationship that can make you get at least several million stable deposits, which will bring you a lot of pain and insecurity.

This is my personal experience, of course, it may be different from place to place, for your reference only.

What exactly does a producer do on the set?

Producers are divided into many departments. Life producers are managers who manage the life and logistics of the crew, eat, drink and sleep. On-site production is the discipline of on-site management to ensure the smooth creation of the main creative department; The producer is the manager who manages the production and display of the scenes of the crew (in the previous film studio, the producer was also responsible for the shooting plan of which crew); Outreach producer, as the name implies, is the manager who contacts the crew to shoot the scene outside (just like the public relations department of a unit); Each production department has a production director, and the production director has an executive producer (some directly face the producer, and the executive producer is between the production director and the producer). There are several spectators, all of whom are people who do some concrete things. The people in the production department do not participate in the whole artistic creation of the crew, which is equivalent to the logistics department of a unit.

What does financial loan mean?

Financial credit, also known as financial loans, refers to loans obtained by enterprises, institutions and residents from financial institutions because of the demand for final products.

Current situation of financial loans

This year, we will selectively increase credit support for key industrial projects in the western region, develop new credit varieties, expand service areas, and improve the level of financial services.

In the coming period, China Development Bank will focus on supporting the development of the western region. Since the establishment of China Development Bank five years ago, loans to the central and western regions have accounted for more than 60% of the annual loans.

From June 5, 2000 to 10, China Development Bank established Lanzhou Branch, covering Gansu, Qinghai, Ningxia and other regions. This is the strategic decision of China Development Bank to implement the development of the central and western regions, and supporting Gansu, Qinghai and Ningxia is an important measure for the social and economic development of the two provinces.

In the future, the Development Bank will increase its loan support to two provinces and one district in infrastructure construction, ecological environment protection, characteristic economic development, scientific development and sustainable development. Technical education, and provide intellectual support.

On February 17, 2000, Chengdu Branch of China Development Bank reached a package agreement with the Sichuan Provincial Government to provide 53 billion yuan in loans to Sichuan Province to support transportation, communication networks, water conservancy projects, high-tech and urban construction, of which the first loan was 3.8 billion yuan.

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Advantages of financial loans

1, the loan period is long and the interest rate is low, which is suitable for public infrastructure construction with long domestic investment period and slow economic benefits.

Among them, the loan from the International Development Association is the most favorable; Although the World Bank loan charges interest and has a short term, it is still favorable compared with the general international commercial credit conditions, and is suitable for construction projects that need long-term development, such as electric power, water conservancy and transportation facilities.

For real estate enterprises that invest in infrastructure and other construction projects that need long-term development, if they can successfully apply for loans from international financial organizations, not only the project can be carried out as scheduled, but also the quality of the project and the benefits of the enterprise can be guaranteed.

2, conducive to the formulation, development and implementation of the overall planning.

The international financial organization decides whether to approve the application of the loan plan according to the development priority of the loan plan in the borrowing country. Usually, they will send experts to investigate the economic situation and loan plan of the borrowing country first, and then assist in the feasibility study and draw up the overall plan. Only after the feasibility study and economic evaluation are satisfactory can they approve the loan.

During the planning period, it is necessary to send personnel to visit the site to evaluate the progress, which is helpful to the formulation, development and implementation of the overall plan of the country receiving the loan. Real estate enterprises should make their own development plans according to the overall planning of their own countries and regions, successfully pass the planning evaluation and obtain loans.

3. It improves the position of private enterprises in international business and promotes the inflow of international private funds.

International finance companies have very strict standards for nuclear loans or investment in private enterprises, so the status of the enterprises that receive loans in international business has also been greatly improved. After the successful investment, the IFC can transfer its equity to other foreign investors, which can guide the inflow of foreign private funds.

Successfully applying for loans from international financial organizations can become a passport for domestic real estate enterprises to enter the international stage and lay a good foundation for financing in the international financial market in the future.

4. High-quality equipment and equipment can be obtained through loan procurement.

International financial organizations purchase equipment and equipment by means of international bidding. Due to international competition, the purchased materials are of high quality and low price. Domestic real estate enterprises can take advantage of this international bidding and purchasing opportunity to greatly update their equipment and improve their labor productivity, so as to maintain or improve their leading position.