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金融学课程课件(完整版)权威

交易活动和组织管理等活动的总和。金融市场是在不断发展完善的。金融市场的发
育程度直接影响金融体系功能的发挥，因此，其发育程度也是一国金融体系发育程度的重要标志。
第二十九页，共490页。
五、金融制度：交易规则
金融制度(financial institution)：有关金融活动、组织安排、监督管理及其创新的一系列在社会上通行或被社会采纳的习惯、道德、戒律和法规等构成的规则集合。与金融市场、金融组织和金融活动相关的各种规则的总和。它是金融运行的行为规范和制度保障。
第七页，共490页。
四、本书基本内容及其特点
金融体系
（金融体系的功能、结构与构成要素）
金融体系概述
金融资产
金融机构
金融市场
金融制度
宏观金融运行
（金融系统整体及其与外部系统的相互关系）
• 货币供求及其均衡
• 金融与经济系统的相互影响 • 宏观金融调节：货币政策
• 金融危机的防范与治理 • 金融监管
金融机构的分类（依据功能和作用）：
国家管理性金融机构
政策性金融机构商业性金融机构国际金融机构
第二十八页，共490页。
四、金融市场：交易场所
金融市场(financial market)的涵义有广义和狭义之分。
狭义的金融市场：金融资产交易的场所。广义的金融市场：泛指金融资产的供求关系、
第十七页，共490页。
直接融资的优缺点
优点：
节约交易成本产权明晰
缺点：
要求投资者具有一定的金融投资专业知识和技资投资者要承担较大的投资风险。投资者需要花费大量的搜集信息、分析信息的时间
和成本。数量、期限难以匹配。融资的门槛比较高。

《金融学教学课件》bodie2e_chapter08共52页

ight © 2009 Pearson Education, Inc. Publishing as Prentice Hall 6
Bond Prices Rise as the Interest Rates Fall
• Write the PV of the fixed income security as the sum terms
8.1 Using Present Value Formulas to Value Known Flows
• You have been offered the opportunity to purchase a mortgage. It was originally part of a creative financing package where the original owner financed the buyer
NI
PV
PMT FV
60 1.5% ?
-400 0
15,752.11
ight © 2009 Pearson Education, Inc. Publishing as Prentice Hall 4
Change in Required Rate
• If your required rate of return increased to 1.6% / month
PV jn 1pm pm 2*t1 1i2.. .pm n1*t1 1in1pm n*t1 1in
ight © 2009 Pearson Education, Inc. Publishing as Prentice Hall 7
Bond Prices Rise as the Interest Rates Fall

《金融学教学课件》bodie2e_chapter11共65页文档

• Face Vas ‘forward price’
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Definitions of Terms
11.10 The Diversification Principle 11.11 Insuring a Diversified Portfolio
1 Copyright © 2009 Pearson Education, Inc. Publishing as Prentice Hall
11.1 Using Forward and Futures Contracts to Hedge Risks
• Futures contracts for commodities and financial products includes such clauses, by standardization, to protect against unknown credit risks, and we leave the details of this to the course “financial derivatives”
Definitions of Terms
• Forward Price
– Price (agreed to today) of an item to be purchased, and paid for, at a given future date
• Spot Price
– Price (agreed to today) of an item to be purchased (and paid for) immediately

《金融学教学课件》bodie2e-cha课件

1
Overview of Financial Markets and Instruments
Explore the different types of financial markets and instruments that impact interest rate determination.
Understand the term structure of interest rates and its implications for investors and businesses.
4
Risk and Term Structure
Analyze the relationship between risk and the term structure of interest rates, and how risk affects investment decisions.
Discover the key characteristics of bonds and their role in financing corporate and government entities.
Bond Prices and Yields
Understand how bond prices and yields are determined, and their implications for bond investors.
《金融学教学课件》 bodie2e-cha课件
欢迎阅读《金融学教学课件》bodie2e-cha课件。本课件将带您深入了解金融学的各个领域，包括金融市场、利率决定、时间价值、债券估值、风险与回报等。
Chapter 1 Introduction

《金融学教学课件》bodie2e_chapter06

6.1 The Nature of Project Analysis
• Basic unit of analysis
– the individual investment project
• Procedural Outline
– Form ideas on how to increase shareholders’ equity – Plan how to implement the ideas – Gather information on timing and magnitude of costs
• The theory of how to do this was provided in the prior two chapters
– Compute the net present value of the project’s expected cash flows, and undertake only those with positive NPV
capacity of the firm – monitor the competition’s marketing,
investment, patents, and technical recruiting – monitor production & distribution functions
Three Elements of Capital Budgeting
• coming up with proposals for investment projects
• evaluating them • deciding which ones to accept and which

2024版《金融学》ppt课件doc

金融市场和金融机构之间也存在风险与监管的关系。金融市场的波动和风险会对金融机构造成影响，而金融机构的风险管理水平和监管政策也会影响到金融市场的稳定和发展。因此，加强金融市场和金融机构的监管和风险管理是保障金融体系稳定运行的重要措施。
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03 货币与货币政策
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国际金融概述
国际金融的定义
国际金融是指跨越国界进行的各种金融活动，包括国际间的货币流通、信贷、投资、结算等。
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国际金融的发展
随着全球化的加速和国际贸易的繁荣，国际金融逐渐成为全球经济发展的重要支撑。
国际金融的特点
涉及多个国家或地区、使用多种货币、受到多种政治经济因素影响等。
利率政策
调整存贷款利率，影响企业和个人的投资和消费行为。
法定存款准备金率
调整商业银行缴存中央银行的存款准备金比例，影响商业银行的信用创造能力。
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公开市场业务
在公开市场上买卖有价证券，调节市场货币供应量。
汇率政策
通过调整汇率，影响进出口贸易和国际资本流动。
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04 国际金融
金融市场的分类
按照交易期限的不同，金融市场可分为货币市场和资本市场；按照交易对象的不同，可分为证券
市场和非证券金融市场。
金融市场的作用
金融市场在经济发展中发挥着重要作用，包括提供融资平台、优
化资源配置、分散风险等。
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金融机构概述
01
金融机构的定义
金融机构是指从事金融服务业有关的金融中介机构，为金融体系的一部

《金融学教学课件》bodie2echapter04

Value of Investing $1
– Continuing in this manner you will find that the following amounts will be earned:
1 Year
$1.1
2 Years
$1.21
3 Years
$1.331
4 Years
$1.4641
6%
4%
2%
0%
-2 % -4 % -6 %
18
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Example: Future Value of a Lump Sum
• Your bank offers a CD with an interest rate of 3% for a 5 year investment.
• You wish to invest $1,500 for 5 years, how much will your investment be worth?
• You have solved a present value and a future value of a lump sum. There remains two other variables that may be solved for
– interest, i – number of periods, n
• We have a key formula in finance
FV PV * (1 i)n
8 Copyright © 2009 Pearson Education, Inc. Publishing as Prentice Hall
Future Value and Compound Interest

2024全新《金融学》ppt课件

明确投保财产的种类、价值、所在地等。
确定保险金额
根据财产价值、风险状况等因素，合理确定保险金额。
03
02
选择合适险种
根据风险状况和保障需求，选择合适的财产保险险种。
仔细阅读条款
了解保险责任、除外责任、赔偿处理等关键内容。
04
保险公司经营风险评估方法
风险识别
通过风险调查、风险分析等手段，识别保险公司面临的各种风险。
监管政策对互联网金融影响
互联网金融监管政策概述
介绍国内外互联网金融监管政策的现状及发展趋势。
监管政策对行业发展的影响
分析监管政策对互联网金融行业发展的影响及挑战。
合规经营与风险防范建议
提出在监管政策下，互联网金融企业应如何进行合规经营和风险防范的建议。
06
国际金融市场与全球化战略
国际货币体系演变历程回顾
保险利益原则
最大诚信原则
损失补偿原则
近因原则
保险分类
要求投保人对保险标的具有法律上承认的利益，避免道德风险。
保险合同双方需遵守最大诚信，如实告知和保证。
保险赔偿以实际损失为限，避免被保险人获得额外利益。
保险赔偿以导致损失的最近、最直接的原因为准。
按保险标的可分为人身保险和财产保险；按保险实施方式可分为强制保险和自愿保险；按承保方式可分为原保险、再保险、共同保险和重复保险等。
企业国际化的动因
分析企业国际化的内在动因和外在动因，包括市场寻求、资源寻求、效率寻求等。
企业国际化的模式
介绍企业国际化的主要模式，包括出口模式、契约模式、投资模式等，并分析各自的特点和适用条件。
企业国际化的风险管理
阐述企业在国际化过程中面临的主要风险，包括政治风险、经济风险、文化风险等，并提出相应的风险管理策略。

(精品文档)《金融学》说课PPT演示课件

. 14
四、课程实施
教学资源
• 实训：学生分组讨论、参加理财规划师考试、银行从业
资格考试、保险代理人考试、证券从业资格考试等。 • 阅览室：查阅课业资料（学校图书馆、系部资料室） • 参考教材：《金融概论》高等教育出版社贺瑛 • 《货币银行学》高等教育出版社蔡则详 • 实训手册：中国邮政储蓄银行广西（区）分行介入式人才培训班培训资料
.
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课后阅读参考
Financeol_com金融论文在线IMF -- International Monetary Fund 货币史金融在线－论文题目中国货币网中华货币
.
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39
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四、课程实施
教学资源
（网络资源）本课程建立了丰富的网络教学资源库。还有课程标准、授课计划、电子教案、教学课件、实训指导等学习参考资料共同构成本课程教学资源库，学生还可以利用开放的国家级省级精品课程网站及财经类网站等网络资源进行自主学习。
.
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四、课程实施
课程设计的理念与思路
1 理论与实践教学
知识储备
经过大学一年多的适应和探索后，专业方向逐步明确，同时对自身的专业素质、性格特质、发展方向有了更进一步的了解，储备了一定的金融学知识，但对金融学原理、金融风险等知识还很模糊
能力水平
由于在上该门课程之前，学生还没有或才刚刚接触和学习金融方面的知识，在应用金融学理论的能力和水平上还有所欠缺。要多培养学生的学习兴趣，让学生充分利用各种学习资源，对学生的学习动力加以引导
.
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教学重点与难点
重点：1、货币的形式、本质、职能 2、货币制度的演变难点： 3、货币制度的内容 4、货币制度的演变。

《金融学教学课件》bodie2e_chapter09

• Equivalently, we start with the discounted cash flow model, and obtain the holding period return
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16 Copyright © 2009 Pearson Education, Inc. Publishing as Prentice Hall
Ease of Use
• We have to introduce a simplifying
assumption that captures our understanding of dividend behavior
Ease of Use
• Estimating next year’s dividend is straightforward, but estimating next year’s price appears to be much more difficult
• The problem is that next year’s price is obtained (eventually) by estimating, and discounting, every future dividend
9.2 The Discounted Dividend Model
• A discounted dividend model is any
model that computes the value of a share of a stock as the present value of the expected future cash dividends

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– these are typically small, and may sometimes be ignored
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• 6.8 Projects with Different Lives
• 6.9 Ranking Mutually Exclusive Projects
• 6.10 Inflation & Capital Budgeting
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and benefits – Apply NPV criterion
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6.2 Where do Investment Ideas Come From?
– monitor existing & potential customers needs – monitor existing & potential technological
• The theory of how to do this was provided in the prior two chapters
– Compute the net present value of the project’s expected cash flows, and undertake only those with positive NPV
4 Copyright © 2009 Pearson Education, Inc. Publishing as Prentice Hall
Chapter 6 Contents
• 6.1 The Nature of Project Analysis
• 6.2 Where do Investment Ideas come from?
for revenue enhancement / cost savings – reward employees for innovative ideas
7 Copyright © 2009 Pearson Education, Inc. Publishing as Prentice Hall
6.3 Net Present Value Investment Rule
Three Elements of Capital Budgeting
• coming up with proposals for investment projects
• evaluating them • deciding which ones to accept and which
to reject
N P V of a P roject
D iscout
15%
Year
F low
PV
0
-1000
1
450
2
350
3
250
4
150
5
50
Cum _PV
-1000
-1000
391
-609
265
-344
164
-180
86
-94
25
-69
NPV
-69
11 Don’t Do Project
Copyright © 2009 Pearson Education, Inc. Publishing as Prentice Hall
13 Copyright © 2009 Pearson Education, Inc. Publishing as Prentice Hall
NPV as a Function of Discount Rate
NPV
250 200
150 100
50
0 0%
-50 -100 -150 -200
5%
10%
12
Copyright © 2009 Pearson Education, Inc. Publishing as Prentice Hall
Summary
• The discount rate
– in the first scenario it was assumed to be 10%, and the resulting NPV was $20
– Invest in proposed projects with positive NPV
8 Copyright © 2009 Pearson Education, Inc. Publishing as Prentice Hall
Illustration
• The following tables show the computation of NPV
N P V of a P roject
Internal Rate of Return
D iscout
11.04%
Year
F low
PV
0
-1000
1
450
2
350
3
250
4
150
5
50
Cum _PV
-1000
-1000
405
-595
284
-311
183
-128
99
-30
30
0
NPV
0
Indifferent
cash flows are used
– depreciation is an expense, but is not a cash expense, and must be excluded
– the tax benefit of depreciation, however, is a
cash flow, and must be included
– In the second scenario it was assumed to be 15%, and the NPV was -$69
– In the third scenario, the discount rate that resulted in a zero NPV was found
• Recall chapter 1, the process of analyzing such
decisions is called capital budgeting.
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15%
20%
Discount Rate
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6.4 Estimating a Project’s Cash Flows
• It is important to remember that when making financial decisions only timed
Chapter 6: The Analysis of Investment Projects
Objective
Explain Capital Budgeting Develop Criteria
1 Copyright © 2009 Pearson Education, Inc. Publishing as Prentice Hall
– To show the effect of the discount rate, three tables are shown based on different rates
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– working capital additions and reductions are cash flows
– at the end of a project, the sum of the nominal changes in working capital is zero
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Accruals & Deferrals
• Take extra care if you are provided with net income information by an accountant
– the flows forming net income may include
• accruals • deferrals
N P V of a P roject
D iscout
10%
Year
F low
PV
0
-1000
1
450
2
350
3
250
4
150
5
50
Cum _PV
-1000
-1000
409
-591
289
-302
188
-114
102
-11
31
20
NPV
2 0 Do Project
10
Copyright © 2009ห้องสมุดไป่ตู้Pearson Education, Inc. Publishing as Prentice Hall