银行金融英语介绍

演讲人：日期：银行金融英语介绍OverviewofBankingSystemandFinancialBusinessBankingbusinessprocessesandoperationalstandardsInvestmentandWealthManagementProductsandRiskManagementStrategiesCrossborderfinancialservicesandinternationaltradesettlement目录01OverviewofBankingSystemandFinancialBusinessCompositionandfunctionsofthebankingsystemCentralBankResponsibleformonetarypolicy,financialstability,andpaymentsystemsCommercialBanksProvidearangeofbankingservicestoindividualsandbusinesses,includingdeposits,loans,andforeignexchangetransactionsInvestmentBanksFocusonunderwriting,mergersandacquisitions,andcapitalmarketsactivitiesSpecializedFinancialInstitutionsSuchascreditcardcompanies,mortgagecompanies,andleasingcompaniesthatprovidespecificfinancialservicesIncludingdeposits,loans,transfers,andotherbasicbankingfunctionsBankingServicesProvideinvestmentadvice,portfoliomanagement,andsecuritiestradingservicesInvestmentServicesOfferriskprotectionandidentificationforindividualsandbusinessesInsuranceServicesFacilitythetradingoffinancialinstrumentssuchasstocks,bonds,andderivativesFinancialMarketServicesTypesandCharacteristicsofFinancialServicesRegulatorsGovernmentagenciesareresponsibleforoverseeingandregulatingthefinancialmarketstoensurefairness,transparency,andstabilityIssuersEntitiesthatissuesecuritiestoraisefunds,suchasgovernments,corporations,andfinancialinstitutionsInvestorsIndividualsorinstitutionsthatinvestinsecuritiesinpursuitofriskadjustedreturnsIntermediariesSuchasbrokers,dealers,andinvestmentbanksthatfacilitatetradingandprovideliquidityinthefinancialmarketsRoleoffinancialmarketparticipantsDigitalizationThewidespreadoptionofdigitaltechnologiessuchasartisticintelligence,blockchain,andcloudcomputingistransformingthebankingandfinanceindustryGlobalizationTheintegrationoffinancialmarketsandinstitutionsisincreasing,leadingtomorecrossbordertransactionsandinvestmentsSustainabilityThereisagrowingemphasisonenvironmental,social,andgovernance(ESG)factorsinbankingandfinance,withinstitutionsincreasinglyfocusingonsustainableinvestmentandgreenfinanceInternationaldevelopmenttrendInnovationThebankingandfinanceindustryisconsistentlyevolvingwithnewproducts,services,andbusinessmodelsemergingtomeetchangingcustomerneedsandmarkettrendsInternationaldevelopmenttrend02BankingbusinessprocessesandoperationalstandardsThisinvolvesreceivingcashorchecksfromcustomersandcreditingtheiraccountsaccordingtoAcceptingcustomerdepositsBankstaffmustensurethattheamountsdepositedmatchthecustomer'srecordsandthattherearenodiscrepanciesVerifyingdepositamountsCustomersshouldbeprovidedwithareceiptacknowledgingtheirdeposit,whichservesasproofofthetransactionIssuingdepositreceiptsBanksmustadapttostrictregulationsregulatingthehandlingofcustomerdeposits,includingantimoneylaundryandknowyourcustomer(KYC)requirementsCompletingwithregulationsDepositBusinessProcessandKeyOperatingPointsAssessingloanapplicationsBankstaffevaluateloanapplicationsbasedoncriteriasuchastheborrower'scredithistory,income,andabilitytorepaytheloanDeterminingloanamountsandtermsBasedontheassessment,thebankdecisionsontheloanamount,interestrate,andpaymentscheduleApprovingordeningloansAftercarefulconsideration,thebankeitherapprovesordeniestheloanapplicationMonitoringloanpaymentsOncetheloanisinterrupted,thebankmonitorstheborrower'spaymentstoensuretimelyandfullpaymentsLoanbusinessprocessandapprovalstandardsReceivingreminderinstructionsCustomersprovidethebankwithinstructionsregisteringtherecipient,amount,andpurposeofthereminderBankstaffverifytheaccuracyandauthenticityofthereminderinstructionstopreventfraudThebankprocessesthereminderbytransferringthefundstotherecipient'saccountorthroughanyotheragreeduponuponmethodCustomersareprovidedwithconfirmationsacknowledgingthesuccessfulcompletionofthereminderVerifyingreminderdetailsProcessingthereminderProvidingreminderconfirmationsRemittanceandPaymentSettlementServiceProcessAcceptingcreditcardapplicationsCustomerssubmitcreditcardapplicationstothebank,providingpersonalandfinancialinformationAssessingcreditworthinessThebankevaluatestheapplication'screditworthinessbasedonfactorssuchascredithistory,income,andemploymentstatusIssuingcreditcardsApprovedapplicationsareissuedcreditcardswithagreeduponcreditlimitsandtermsMonitoringcreditcardusageThebankmonitorscreditcardtransactionstoensurecompliancewithtermsandconditionsandtopreventfraudactivitiesCreditcardapplicationandusagerules03InvestmentandWealthManagementProductsandRiskManagementStrategiesStocks,bonds,andcashThesearethethreemaintypesofinvestmentproductscommonlyfoundinthemarketStocksreportownershipinacompanyandofferthepotentialforcapitalgainsanddividendsBondsaredebtsecuritiesthatprovidefixedincomepaymentsCashandcashequivalents,suchasmoneymarketfunds,offerliquidityandstabilityMutualfundsandETFsThesearepooledinvestmentvehiclesthatallowinvestorstodiversifytheirportfoliosbyinvestinginabasketofsecuritiesMutualfundsareactivelymanagedbyprofessionalfundmanagers,whileETFs(ExchangeTradedFunds)arepassivelymanagedandtradelikestocksonanexchangeAlternativeinvestmentsTheseincludeawiderangeofinvestmentproductssuchashedgefunds,privateequity,realestate,commodities,andart.AlternativeinvestmentsoftenhavelowcorrelationswithtraditionalassetclassesandcanprovidediversificationbenefitsIntroductiontoTypesofInvestmentandWealthManagementProductsRiskprofilingThisinvolvesassessinganinvestor'srisktoleranceandinvestmentobjectivestodeterminetheappropriateassetallocationandinvestmentstrategyRiskprofilingtoolsstylishlyconsiderfactorssuchasage,income,investmenthorizon,andriskaversionStresstestingThisisariskmanagementtechniquethatinvolvessimulatingextrememarketconditionstoassesstheimpactonaninvestmentportfolioStresstestingcanhelpidentifypotentialvulnerabilitiesandinformationriskmitigationstrategiesScenarioanalysisThisinvolvesconsideringarangeofpossiblefutureoutcomesandtheirimpactonaninvestmentportfolioScenarioanalysiscanhelpinvestorsunderstandthepotentialrisksandopportunitiesassociatedwithdifferentinvestmentdecisionsRiskassessmentmethodsandtoolapplicationsDiversionSpreadinginvestmentsacrossdifferentassetclassesandgraphscanhelpreduceriskandimprovereturnsDiversionworksbyoffsettingtheperformanceofindividualinvestments,reducingtheoverallvolatilityofaportfolioAssetliabilitymatchingThisprincipleinvolvesaligningthematerialsofassetsandliabilitiestoreducefundingriskForexample,aninvestorwithshorttermliabilitiesmayprefertoinvestinshorttermbondsorcashequivalentstoensureliquidityStrategicassetallocation(SAA)Thisinvolvessettinglongtermtargetsforassetallocationbasedonaninvestor'srisktoleranceandinvestmentobjectivesSAAprovidesaframeworkformakingtacticalassetallocationdecisionsinresponsetomarketconditionsAssetallocationprinciplesandstrategicrecommendationsRiskpreventionmeasuresandcustomereducationRiskmanagementpoliciesandproceduresFinancialinstitutionsshouldhaverobustriskmanagementframeworksthatincludepoliciesandproceduresforidentifying,assessing,andmanagingrisksTheseframeworksshouldberegularlyreviewedandupdatedtoreflectchangesinthemarketandregulatoryenvironmentCustomerduediligenceFinancialinstitutionsshouldconductthroughduediligenceontheircustomerstoassesstheirriskprofilesandinvestmentobjectivesThishelpsensurethatcustomersareprovidedwithappropriateinvestmentproductsandservicesInvestoreducationFinancialinstitutionsshouldprovideeducationalresourcestohelpinvestorsunderstandtherisksandopportunitiesassociatedwithdifferentinvestmentproductsThiscanincludewebinars,seminars,andonlineresourcesthatcovertopicssuchasassetallocation,riskmanagement,andmarketanalysis04CrossborderfinancialservicesandinternationaltradesettlementFacilitatingcrossborderpaymentsandcommitmentsProjectsinthisareaaimtosimplifyandstreamlinetheprocessofsendingandreceivingmoneyinternationallySupportinginternationaltradeandinvestmentTheseprojectsofteninvolvethedevelopmentofinfrastructureandservicestosupportthefinancing,settlement,andriskmanagementneedsofbusinessesengagedincrossbordertradePromotingfinancialinclusionManycrossborderfinancialservicesprojectsaredesignedtoexpandaccess