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银行业务重点归纳 1
[摘要]
第一章: The Hong Kong banking system – an introduction 1
第二章 Money, banking and the economy 4
第三章: The Hong Kong banking regulations-capital adequacy and liquidity ratios, the limitations and restr...
第一章: The Hong Kong banking system – an introduction 1
第二章 Money, banking and the economy 4
第三章: The Hong Kong banking regulations-capital adequacy and liquidity ratios, the limitations and restrictions of banking practices 5
第四章: International banking- regulatory and market development 7
第五章 financial institutions, the capital and money markets 8
第六章bank clearing system and fund transfer 10
第七章 banking business for the personal sector 11
第八章 banking services for the business sector 12
第九章 private banking and merchant banking 14
第十章 The banks’ role in international trade 15
第十一章 Financing foreign trade- documentary credits and collections, shipping terms and documents 17
第十二章 International money transaction 20
第十三章 Foreign exchange 22
第十四章 Basic considerations in granting credit facilities 24
第十五章 Types of advances 25
第十六章 Special types of borrower – the commercial sector 26
第十七章 Securities for lending 28
第十八章 Balance sheet analysis 29
第十九章 Advance control 30
第一章: The Hong Kong banking system – an introduction
l The main features of the three-tier system
The essential feature of the change in the system is that the old categories of the Licensed Deposit –Taking Companies (LTDS) and the Registered Deposit-taking Companies (RTDS) were replaced by two new categories, the restricted licensed banks (RLBs) replace the LTDS and the deposit taking companies (DTCS) replace the RDCs.
There is no change in respect of Licensed Banks except that the minimum paid-up share capital for locally incorporated banks is increased from HK$100 million to HK$150 million.
The word “bank” or its derivatives must be qualified by adjectives such as “merchant” or “investment”, so that they are clearly differentiated from licensed banks. However, terms such as “commercial “or “retail” are not acceptable.
A RLB incorporated overseas may trade under its corporate name, even though that name includes the word “bank”(or its derivatives), however, the name must be used immediately in conjunction with the phrase “restricted licensed bank”.
The minimum paid-up shares capital requirement is now HK$25 million instead of HK $10 million as before.
l The implications of the system
Sound overseas banks, even though they do not meet the approval criteria for a full license, are now allowed to branch into HK as RLBs, as an alternative to setting up a subsidiary here.
1. Direct entry to the tier of RLB is allowed.
2. The status of RLB is superior to that of the LDTC where a RLB is incorporated overseas.
3. Overseas banks are newly –authorized RLBs in branch form are allowed to operate only from offices in one building
4. Local banks traditionally operate in the retail market whereas overseas banks authorized as RLBs are mainly carrying on merchant banking business.
l HK monetary authority:
1. Established in 1 April 1993
2. Merging the office of the Exchanged Fund with the Office of the Commissioner of Banking.
其它培训参考信息：
金融专业英语证书考试常用金融词汇总结
CIF——INCOTERMS 2000
CIP——INCOTERMS 2000
CPT——INCOTERMS 2000
EXW——INCOTERMS 2000
FAS——INCOTERMS 2000
FOB——INCOTERMS 2000
FCA——INCOTERMS 2000
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