金融英语考试银行业务重点归纳（1）

会计考友

　　第一章: The Hong Kong banking system – an introduction 1
5 i, l9 A6 K7 H* G% h6 k+ F. ~$ p　　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
, G' M( L; X& E2 U: T9 s　　第四章: International banking- regulatory and market development 7
0 l" W5 q1 C. t2 ~! g5 Y　　第五章 financial institutions, the capital and money markets 8
& \. ?7 r+ G$ k4 y. {0 _5 ]　　第六章bank clearing system and fund transfer 10
　　第七章 banking business for the personal sector 11
( L. w, Y7 ?+ _! \　　第八章 banking services for the business sector 12
　　第九章 private banking and merchant banking 14
- z1 C. ]$ B! b$ _　　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
. m4 M# b' `; h( ~! F　　第十三章 Foreign exchange 22
3 g- T0 f% ?+ k" d* |　　第十四章 Basic considerations in granting credit facilities 24
) X' r- g( p1 R6 P9 n$ U, O4 ~　　第十五章 Types of advances 25
% w: v6 }/ d4 j% P　　第十六章 Special types of borrower – the commercial sector 26
: {8 T. y3 S& Y. t% C+ m" g　　第十七章 Securities for lending 28
! i4 V" w4 Q4 Y8 \2 V　　第十八章 Balance sheet analysis 29
: Z5 z4 l( X' W　　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
$ z" d$ ]* V, j　　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
+ b* {1 H% x! [5 K% c+ M& ~% k  _8 W　　licensed banks (RLBs) replace the LTDS and the deposit taking companies (DTCS)
　　replace the RDCs.
0 K6 s, H) v& e5 g! s& k7 ^3 a　　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$150 million.
9 ]5 H1 Z2 @$ Q* y　　The word “bank” or its derivatives must be qualified by adjectives such as
　　“merchant” or “investment”, so that they are clearly differentiated from
' R( f: I8 Z9 o. m. Q8 ^5 q　　licensed banks. However, terms such as “commercial “or “retail” are not
　　acceptable.
) W# X4 ~3 ?* T　　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
6 s. n0 Q) X- X" ~& J2 C- \　　with the phrase “restricted licensed bank”.