《金融学原理》第10章笔记

好久没有写《金融学原理》的笔记了,今晚有空,就写一写吧。写完之后的十天要准备科目三和科目四,可能就得把精力放在学车上面了。

知识点

  • 货币市场:融资期限在一年以下的金融交易市场
  • 资本市场:融资期限在一年以上的金融交易市场
  • 货币市场的组成
    1. 同行拆借市场
    2. 国库券及其回购市场
    3. 票据市场
  • 同行拆借市场:金融机构之间为调剂临时性的头寸以及满足流动性需要而进行的短期资金信用借贷市场。

  • 中央银行对商业银行的法定准备金要求:在每一个营业日终了时,商业银行在准备金账户中的余额必须达到法定要求的准备金比率。
  • 同行拆借市场交易种类:

    1. 头寸拆借:补足存款准备金、调整清算头寸
    2. 同业借贷:获得更多的短期负债
  • 同业拆借的结算方式
    1. 实时总额结算:一单结算一单
    2. 净额结算:几单交易互相抵消后再结算
  • 同业拆借市场利率
    1. 美国联邦基金利率
    2. 伦敦银行间同业拆借利率
    3. 新加坡银行同业拆借利率
    4. 香港银行同业拆解利率
    5. 影响:同业拆借利率上升 -> 市场资金供给紧张 -> 可能源于企业的投资需求大量增加 -> 由需求拉动的通货膨胀;反之可能通货紧缩。
    6. 同行拆借利率的下限为央行要求的准备金支付利率。
  • 票据市场

  • 票据:在商品流通过程中,反映债务债权关系的设立、转让和清偿的一种信用工具。
  • 本票:本人签发,见到本人时无条件支付金额
  • 支票:本人签发,去金融机构无条件取出金额
  • 汇票:本人签发,委托付款人在见票/指定日期支付金额给持票人/收款人
  • 承兑汇票:承诺付款的行为、
  • 商业承兑汇票
  • 银行承兑汇票:克服商品货物购销之间的信息不对称问题。
  • 真实票据
  • 融通票据==商业票据、
  • 票据贴现
  • 转贴现
  • 再贴现
  • 贴现率
  • 再贴现率
  • 票据市场
  • 票据贴现市场

65 thoughts on “《金融学原理》第10章笔记”

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