银行业务：重点归纳（二）

会计考友

　　Responsibility:
　　1. Execution and development of monetary policy
8 Z7 w; f% K9 ]* ^; ^　　2. Maintenance of exchange rate and monetary stability
3 s: w7 x7 _( m& m: J　　3. Development of the debt market in HK
9 A7 x- d/ r& v4 Q8 X　　4. Promoting the efficiency, integrity and development of payment and settlement arrangements
" u, x& H0 M$ o  J0 @8 W0 p% `　　5. Managing the assets of the Exchange Fund
　　6. Prudential supervision of authorized institutions under the Banking Ordinance
0 s, C$ r' T) l9 j! x/ N# J1 ]) [　　7. Formulating polices relating to banking supervision
0 [3 ~5 }  S$ F% Q) m3 e3 S+ b　　8. HKMA is an integral part of the government but is able to employ staff on different terms to those of the civil service to attract personnel of the right caliber, experience and expertise.
: z! o& O7 j$ Z) k+ y　　9. HKMA is accountable to Financial Secretary, who is advised by the Exchange Fund Advisory Committee on matters relating to the control of the Exchanged Fund and on the annual budget of the HKMA.
　　Business scope:
　　1. Deposits
　　2. Loans
4 j- w0 x* T2 r* j" }3 r　　3. Settlement
1 S+ C& Y# J' O9 F/ m　　4. Guarantees
　　5. Interbank borrowing and lending
( H8 z2 v' l" b* [' r" P) a　　6. Trade in Chinese treasury bond
　　1. Definition of a “banking “in Hong Kong
' \5 f" X5 T" w( O2 ]5 u　　A bank is a financial intermediary, which provides special types of services relating directly or indirectly to finance. In Hong Kong, the Banking Ordinance defines a “bank” as a company, which carries on “banking business”, and holds a valid bank license granted by the HKMA together with the SAR Chief Executive.
　　2. Banking business
( O% x4 \5 u; |0 O6 Q7 A　　Banking business is:
3 x4 c2 B+ y! S( c2 x; }: A/ N2 `　　(1) Receiving from the general public money on current deposit, savings deposit or other similar account repayable on demand or within less than three months or at call or notice less than three month;
$ u8 M/ v  m, K* }: s　　(2) Paying or collecting cheques drawn by or paid in by customers.
% m* d2 a' R5 U, [　　(3) Providing credit cards or charge cards to customers, give business advice, handle clients’ auto-pay system, transfer money, and provide foreign exchange and other services.
　　1.current deposit活期存款, current accounts do not usually produce any interest for the customers.
　　2.Only banks with valid licenses are allowed to offer cheque deposit account (current accounts)