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
　　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
5 r. ?# d  p( y1 _　　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
2 p3 Z7 b$ w2 v6 s) b+ ^5 o6 Q　　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
5 o6 L- Z" l  e9 O* U　　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
3 R! N- ~" h( Z2 `& v4 v　　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
6 o$ [9 J- p; A0 ^' ^　　The essential feature of the change in the system is that the old categories of the
' R" ^/ n( z. k/ A1 m　　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)
1 a; Q1 X* E& s' @1 n% \* [: s% S　　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$150 million.
1 p6 R2 _9 a9 u6 O' ^0 P2 h　　The word “bank” or its derivatives must be qualified by adjectives such as
% E4 }0 O$ L, A+ P　　“merchant” or “investment”, so that they are clearly differentiated from
　　licensed banks. However, terms such as “commercial “or “retail” are not
. m. a  E0 x; N& i　　acceptable.
3 l! R/ w, v: j  o) i　　A RLB incorporated overseas may trade under its corporate name, even though
" M( g, z# N3 p6 g8 Z　　that name includes the word “bank”(or its derivatives), however, the name must be used immediately in conjunction
　　with the phrase “restricted licensed bank”.