银行业务：业务重点归纳（1）

会计考友

　　第一章: The Hong Kong banking system – an introduction 1
: a5 c* `' H" c" d! o　　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
6 n1 A2 [) k& a* F- \* D　　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
0 E- q9 @  V' X! R: }+ b　　第七章 banking business for the personal sector 11
' i. u& q. J2 I6 S　　第八章 banking services for the business sector 12
. v2 _. v5 _( _0 ~0 c　　第九章 private banking and merchant banking 14
! J/ a3 D% H5 y5 z# w: h  L" D! @　　第十章 The banks’ role in international trade 15
2 m3 h+ r$ J: [( E  q( d2 x/ E/ w　　第十一章 Financing foreign trade- documentary credits and collections, shipping terms and documents 17
8 X. T8 B8 P1 f9 G: _1 c　　第十二章 International money transaction 20
　　第十三章 Foreign exchange 22
" P( Z7 [& d$ G5 ~$ m$ x( D　　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
6 n: R+ n! o# o( E( d. }9 F; {8 i　　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
7 x! `" `# Y6 m+ w; y. e) m# ]　　l The main features of the three-tier system
/ m+ x$ l- z4 H5 |  \　　The essential feature of the change in the system is that the old categories of the
! {! @" Q  J3 k　　Licensed Deposit –Taking Companies (LTDS) and the Registered Deposit-taking Companies (RTDS) were replaced by two new categories, the restricted
7 E7 t/ C1 r3 Q2 l　　licensed banks (RLBs) replace the LTDS and the deposit taking companies (DTCS)
　　replace the RDCs.
' O2 J" q% g5 r% p5 K　　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$150 million.
　　The word “bank” or its derivatives must be qualified by adjectives such as
/ `+ t; w' b: F1 }6 K# z$ P　　“merchant” or “investment”, so that they are clearly differentiated from
　　licensed banks. However, terms such as “commercial “or “retail” are not
　　acceptable.
# L8 \6 D7 W3 P9 [) a　　A RLB incorporated overseas may trade under its corporate name, even though
! u, m% [" [1 I3 w6 D1 ?: _- X  C　　that name includes the word “bank”(or its derivatives), however, the name must be used immediately in conjunction
) u! R5 }3 ?0 \8 N　　with the phrase “restricted licensed bank”.