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
6 o9 m1 _0 _: o: z, ?2 j　　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
　　第五章 financial institutions, the capital and money markets 8
2 F" I; K& e" n5 U5 D* j# K3 L2 [　　第六章bank clearing system and fund transfer 10
5 s: a+ Q; t1 t  K1 r9 T, |　　第七章 banking business for the personal sector 11
　　第八章 banking services for the business sector 12
8 r% U/ T$ o3 ]2 w4 n$ W& N0 v　　第九章 private banking and merchant banking 14
. V, T3 n  `* ^, K9 w! D' }8 r　　第十章 The banks’ role in international trade 15
/ ]- a0 ^% Q% q6 C% ^- \　　第十一章 Financing foreign trade- documentary credits and collections, shipping terms and documents 17
　　第十二章 International money transaction 20
: i% F) A! Y) E7 w: e& }; R　　第十三章 Foreign exchange 22
2 S9 ^( U; I6 I# j( m　　第十四章 Basic considerations in granting credit facilities 24
3 ]2 f) i; l# }0 J/ V( ^　　第十五章 Types of advances 25
3 t: e5 m" ]. a. _% E/ K　　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
5 k  A1 I) N7 j1 n) |9 y+ b1 V$ a$ U) v　　第十九章 Advance control 30
　　第一章: The Hong Kong banking system – an introduction
- v7 t- e" i" W' H　　l The main features of the three-tier system
　　The essential feature of the change in the system is that the old categories of the
! U' }6 [$ i4 \9 b3 ~, B　　Licensed Deposit –Taking Companies (LTDS) and the Registered Deposit-taking Companies (RTDS) were replaced by two new categories, the restricted
: p% {' Z% J* x. V3 ?　　licensed banks (RLBs) replace the LTDS and the deposit taking companies (DTCS)
　　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
5 p6 A: w3 j0 G! Y1 E　　to HK$150 million.
　　The word “bank” or its derivatives must be qualified by adjectives such as
. p; h5 c' c3 D　　“merchant” or “investment”, so that they are clearly differentiated from
9 s# Z! m# P! ?% ?7 W# O　　licensed banks. However, terms such as “commercial “or “retail” are not
* f" P. b; H+ \) i/ w2 \! d5 U　　acceptable.
　　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
  _3 b2 _; a  c/ \( C3 x" K$ R　　with the phrase “restricted licensed bank”.