Financial knowledge is integrated into campus knowledge

1. Is there any financial knowledge in the campus handwritten newspaper?

Finance is the general name of currency circulation, credit activities and related economic activities. Finance in a broad sense refers to all economic activities related to the issuance, storage, exchange, settlement and financing of credit currency, even including the sale of gold and silver. Narrow sense of finance refers to the financing of credit currency.

The contents of finance can be summarized as the issuance and withdrawal of money, the absorption and payment of deposits, the issuance and recovery of loans, the trading of gold, silver and foreign exchange, the issuance and transfer of securities, insurance, trust and domestic and foreign currency settlement. Institutions engaged in financial activities mainly include banks, trust and investment companies, insurance companies and securities companies, as well as credit cooperatives, finance companies, investment trust companies, financial leasing companies, securities, gold and silver, foreign exchange exchanges and so on.

Finance is an economic category formed after the emergence of credit currency, and it and credit are two different concepts: (1) Finance refers to the financing of monetary funds (narrow sense finance), people not only borrow money to finance funds, but also issue stocks to finance funds. (2) Credit refers to the borrowing of all currencies, and finance (in a narrow sense) refers to the financing of credit currency. The reason why people want to create a new concept other than "credit" to refer to the financing of credit currency is to summarize a new economic phenomenon; The two economic processes of credit and currency circulation have been closely combined. Bank credit can create and reduce money, which is the most obvious financial feature. Bank credit is considered as the core of finance.

Finance is a branch of economics that studies finance. The traditional research field of finance has two directions: macro-level financial market operation theory and micro-level enterprise investment theory.

The characteristics of finance:

1. Finance is a credit transaction.

(1) credit

Credit in economics is a form of commodity trading, which corresponds to spot trading (instant settlement trading).

Credit is the foundation of finance, and finance can best embody the principles and characteristics of credit. In the developed commodity economy, credit has been integrated with currency circulation.

(2) The inherent characteristics of credit transactions.

A. One party transfers the ownership or part of the power of commodities (including currency) to the other party on the condition of repayment by the other party;

B there is a certain time difference between the first transfer of ownership or power of one party and the relative repayment of the other party;

C the party who delivers first needs to bear certain credit risks, and the occurrence of credit transactions is based on giving the other party trust.

2. In principle, finance must aim at money.

3. Financial transactions can occur between various economic sectors.

Its main research branches include:

financial market

Corporate finance (en: corporate finance)

Financial engineering

2. The composition of financial knowledge in life

If I don't learn the leaflet "Send financial knowledge to campus", then my financial knowledge is completely blank.

After research, I know that the fifth set of RMB is in circulation now; We should cherish and cherish the RMB, and don't scribble on it. Also let me know the exchange method of damaged and defiled RMB, and how to distinguish the authenticity of RMB, and learn to observe the color, pattern, pattern, security line and special anti-counterfeiting mark of RMB; Learn to identify RMB by touching banknotes with your fingers; You can also judge the authenticity of RMB by the sound of shaking banknotes, because RMB symbolizes our great motherland; It has a line name, Braille and a national emblem; This design has the head of the great leader Chairman Mao.

I also know how to handle bank cards, e-banking, online bank transfer or telephone bank demand deposits. One yuan can also be used for time savings deposits, lump-sum time savings deposits, education savings deposits, farmers' micro-loans and student loans. Customers can not only enjoy the speed of automatic voice service and self-service balance inquiry, but also enjoy the warmth of manual service.

Then teach us the knowledge of password protection, cleverly set passwords and protect account security. The loss of bank cards should be reported immediately to prevent criminals from using SMS, telephone, mail delivery and the Internet for new fraud activities.

Common fraud means are: telephone fraud, SMS fraud, online fraud and so on. Don't be greedy and cheap, get rich overnight, and the pie falls from the sky.

Be careful not to expose personal information to others, do not register casually, and fill in personal information such as ID number, mobile phone number and bank card number. While doing a good job of self-prevention, we should also publicize it to our families and classmates around us. Pay attention to remind them that they should call the police in time when they find telecom fraud, and don't let the bad guys take advantage of it.

3. What should a financial student learn?

The basic knowledge that finance majors should have is 1, financial market and monetary policy.

It mainly includes some basic structure/composition/operation mechanism of financial market/basic knowledge of various financial products, the theory and practical operation of central bank's monetary policy, interest rate/inflation/unemployment /GDP and other influencing factors. 2. Financial accounting.

Mainly how to do the three tables, especially the cash flow statement, and the manipulation in the financial statements. 3. Corporate financing.

Mainly enterprise system /MM theory /M& etc. A management and pricing/corporate governance structure/financing decision/investment decision/dividend policy/corporate pricing (understand DCF/FCFE/FCFF/ LI /NOI method), etc. 4. Securities pricing. Utility theory, stock pricing (including MPT, CAPM, APT, etc. ), bond pricing (YTM, spot, duration, convexity, interest rate term structure, etc. ), derivative pricing (futures pricing, dichotomy, simple stochastic process simulation, BSM pricing model, etc. ) 5. Securities market.

Types of various financial products, trading mechanism (don't go too far, just know the basic trading rules and how the transaction price is generated), investment banking business processes, etc. 6. International finance. Various financial products/foreign exchange market mechanisms/balance of payments items/foreign exchange market exchange rate systems/exchange rate adjustment mechanisms.

Recommend a book-7, enterprise strategy of stiegerriets. Corporate strategic decision-making, industrial analysis framework (Porter's Five Forces, BCG matrix, etc. ), product analysis tool (SWOT).

Recommend a book-by-a book of BCG, which I lent out, and I can't remember the name (I have a bad memory now, and I forgot who I lent it to, so I'll post it if I think of it). Microeconomics. Price, cost, production, pricing, taxation, monopoly, market type, externalities, etc.

9. Pay attention to current affairs, politics and economy. There are many economic newspapers and magazines now, so you don't need to read them.

You can look at the events in the sub-sectors that Sina Finance pays attention to. I recommend two magazines, Caijing and New Wealth. I have been reading Caijing since high school, and there are many in-depth investigations on policies and cases.

New Wealth has been read by people since its publication. This book is specially for brokers and funds, and its content is more in-depth. It may be difficult to understand at first, but after a year, the level will be greatly improved. Now these two books have basically become the necessary bibliographies of various brokers and funds.

The book "New Wealth" has now been promoted to the whole department by me (I used to be the vice chairman of the graduate student association in charge of academics). 10, information.

At present, the most backward place in Sichuan University is information. Many students don't even know the names of some large institutions. We should rely on our own efforts, read more magazines and get in touch with friends outside. If there are special circumstances, look for research reports from brokers or funds, including industrial, macro, or financial engineering.

1 1, exam. At present, financial examinations mainly include CPA/CFA/ACCA/ Actuarial.

First of all, besides the actuarial examination, you can get a good job without spending too much time on the examination. Reading and practice are more important. Certified public accountants are worth taking the exam, but it has become more and more difficult in recent years. It not only helps brokers to enter, but also has the right to sign statements.

CFA is basically a foreign master of finance course system (I talked with the dean of an American business school during the whole visit). After the exam, what is needed for foreign general finance master's courses will be fine. Five or six years ago, CFA could guarantee the annual salary of 500,000 for big brokers, but now it's no good. There are many people taking the exam in China, and many returnees have also taken the exam abroad. ACCA, I still can't sign it after the exam, but next year, GAAP of accounting in China will be in line with international GAAP (not American GAAP), so ACCA is still useful now, mainly when many domestic enterprises go to overseas IPOs or mergers and acquisitions.

Actuarial science is very useful for students who do insurance and financial engineering, but it is also a protracted war to take this exam. 12, English.

To enter a foreign-funded securities firm or fund, English is not very demanding, as long as oral English can basically cope with conversations (many foreign-funded securities firms are localized now, almost all of them are from China, and few of them speak English), but their reading and writing skills are good (they can read and write English research reports). Domestic institutions don't care much about English except entering the international business department (mostly returnees).

At present, many people in the School of Economics chew English all day, but personally, it is not recommended to learn English all day. After graduation, my major was a mess (the millionaire roommate who went to the top international brokerage company with his tutor also had poor English). Maybe you can find a foreign daily chemical company (I especially hate PG, many products have problems, and JJ almost uses sk2 every time something goes wrong, but a friend won't go back to SK2), electronics and other enterprises to do sales and finance. It can be said that the income in the future may not be as high as that of domestic brokers, let alone fund companies or foreign-funded institutions. Although the starting salary of domestic brokers is not as good as these enterprises, the salary is only a small part for these people, mainly relying on their own stocks to make money.

Theory and practice. The theoretical training of the school I am attending now is not very good, the students' theoretical foundation is not very good, and their work is relatively fast, but the follow-up development always encounters bottlenecks.

At present, the strongest theoretical training in China is Peking University CCER, and the people who come out are more comprehensive, deeper and more stamina than us. Personal opinion or both theory and practice.

At present, some scientific research projects of Sichuan University are either too biased towards the market or the securities industry. This is a problem, but my personal suggestion is to do well, at least to cultivate their ability to do research, because most students entered the securities industry from doing research. Now brokers and funds pay more attention to papers, especially China Capital.

14, community activities. This is not very important. For students who plan to be investment banks, it is better to be positive, because they often have to deal with companies, * * * and exchanges, but they don't need social intercourse.

This line is only the largest. The key is to see if you can come up with a plan that satisfies several parties. Farewell boasting without a plan is not acceptable. Other departments are even less important, as long as they are not unable to cooperate with others.

You can take part in more social activities. I attended a gathering of lawyers, consultants and bankers the other day, and now I know many people.

Although it is similar.

4. Integrity will accompany us to write 580 words.

In order to implement the State Council's Guiding Opinions on Strengthening the Protection of Financial Consumers' Rights and Interests and Promoting inclusive finance's Development Plan, Jinzhong Zhongzhi Sub-branch of the People's Bank of China, in accordance with the overall arrangement of the protection of financial consumers' rights and interests, took inheriting the spirit of Shanxi merchants, popularizing financial knowledge and promoting the culture of honesty as the starting point, and carried out the work of integrating financial knowledge into the national universal education system earlier in the province. Seize the opportunity of the fourth "National Reading Year" and the construction of "Honesty Qixian" in Qixian County, rely on the profound national historical and cultural city, rely on the strength of local publicity and education departments, give play to the leading role of financial institutions, and actively promote financial knowledge into the campus and classroom. At present, the people's banks at the city and county levels have reached an understanding with the local publicity and education departments, and listed two financial knowledge readers, "Finance and Integrity" and "Integrity and Our Bank", as auxiliary teaching materials for fifth-grade primary school students in the county for students to use in classroom moral education and practical activities. This will play a positive role in improving students' awareness of financial management and honesty, and promoting the improvement of the financial literacy of the whole people.

"Jinzhong is one of the cities designated by the People's Bank of Shanxi Province in 20 17 to integrate financial knowledge into the national education system. The successful promotion of this work in Jinzhong will play a leading role in the province, and will also contribute to the development of inclusive finance in Shanxi and the construction of' Honest Shanxi'. " The person in charge of the financial consumer rights protection department of Taiyuan Zhongzhi Sub-branch of China People's Bank said.