Financial Knowledge Questionnaire

1. Summary of Financial Knowledge Popularization Month

The importance of publicity, service and management.

There is no sample essay.

The following is for reference.

Mainly write down the main work content, how to work hard, what achievements have been achieved, and finally put forward some reasonable suggestions or new direction for efforts. .

The job summary is to let your superiors know what contributions you have made and reflect the value of your work.

So you should write several points:

1. Your understanding of the position and work 2. What specifically you have done

3. How attentive you are At work, what things do you use your brain to solve? Even if it’s nothing, write down some difficult problems and how you solved them through hard work

4. What abilities do you still need to improve or what knowledge do you need to enrich in your future work?

5. Superiors People who like to work proactively. You must be prepared for everything within your duties, that is, the preparations in advance are as follows for your reference:

Summary is to conduct a comprehensive and systematic general evaluation and analysis of the situation in a period of time, analyze the results, Inadequacy, experience, etc. Summary is a type of applied writing, which is a rational reflection on the work that has been done.

Basic requirements for summary

1. The summary must have an overview and description of the situation, some are relatively simple, some are more detailed.

2. Achievements and shortcomings. This is the main content of the summary. The purpose of the summary is to affirm the achievements and find out the shortcomings. It should be written clearly what the achievements are, how big they are, in what aspects they are manifested, and how they were obtained; how many shortcomings there are, in what aspects they are manifested, and how they occurred.

3. Experience and lessons. In order to facilitate future work, previous work experience and lessons must be analyzed, researched, and summarized, and theoretical knowledge must be formed.

Summary notes:

1. Be sure to seek truth from facts, achievements should not be exaggerated, and shortcomings should not be minimized. This is the basis for analysis and drawing lessons.

2. The organization should be clear. The sentences are smooth and easy to understand.

3. Be detailed and appropriate. There are important ones and there are minor ones. When writing, you should highlight the key points. The questions in the summary should be divided into priorities and details.

The basic format of the summary:

1. Title

2. Text

Beginning: Overview of the situation, overall evaluation; outline and summary full text.

Subject: Analyze performance shortcomings and summarize experiences and lessons.

Ending: analyze the problem and clarify the direction.

3. Signature

Signature and date.

2. A while ago, we launched a publicity campaign to send financial knowledge to the countryside, and write down what should be paid attention to in the rural summary

One theme, two content, three results, four reflections: In order to promote the national banking industry With the in-depth development of the "Sending Financial Knowledge to the Rural Areas" propaganda activity, XX Bureau and Yuanmengyuan jointly held a banking industry "Sending Financial Knowledge to the Rural Areas" propaganda activity in towns and villages in XX and other places on April 25-26.

1. Main practices and characteristics This propaganda activity has received great attention from the XX Party Committee. The activities focus on the venue, objects, content, form and media publicity, etc., and fully grasp the favorable conditions of time, location, people and people, to create characteristics, style and momentum, and strive to achieve practical results.

In order to achieve the goal of "accurate publicity", we have segmented the financial needs of Yuanmengyuan people at the publicity site, and determined the publicity method and content according to the intensity of their financial knowledge needs. According to the intensity of demand for financial knowledge, we divide farmers in Zhejiang into three categories: those with general demand for financial knowledge, those with strong demand, and those with strong demand.

General demanders of financial knowledge refer to ordinary farmers who are interested in financial knowledge such as deposit business and anti-counterfeit currency knowledge, and are suitable for centralized propaganda.

Those with strong demand include village cadres, township enterprise accounting personnel, etc. These people have preliminary financial knowledge and are highly interested in knowledge such as small agricultural loans, bank settlements, and credit cards. Lectures are suitable for these people.

Those with strong demand are mainly farmers, entrepreneurs, large farmers, and private investors. These people already own a lot of financial assets and know some financial knowledge, especially knowledge about investment and financial management, illegal fund-raising, etc. If you are interested, it is suitable for "small class teaching" or even "one-on-one" individual teaching methods. The lecture team can directly understand the financial needs of these people through individual lectures, deliver financial knowledge to their homes, and greatly improve the pertinence and effectiveness of the lectures. In addition, Yuanmengyuan provides free online financial and financial management training for the majority of financial enthusiasts. With the strong support and cooperation of Youth League organizations at all levels in the city, banking regulatory bureaus and agricultural-related banks, and after nearly a month of investigation, sorting, and summary by various activity units, the "Sending Financial Knowledge to the Rural Areas" activity month in ** City has been successfully completed Finish.

During this activity, each participating unit investigated and studied the rural financial market by conducting "financial knowledge lectures", distributing "financial knowledge promotional materials", visiting farmers to fill out questionnaires, etc. current situation, understand farmers’ financial needs, and obtain first-hand statistical information on rural financial needs. Through this activity, we can more truly and objectively understand the current situation of rural financial credit demand and supply, recognize existing problems, summarize experience, and make suggestions for the future economic development of rural areas, thereby building a harmonious society and promoting new rural areas. Contribute your own strength to construction.

1. Activity results During this activity, *** established 38 financial knowledge voluntary publicity teams *** distributed more than 20,000 copies of 10 types of promotional materials; organized 8 bank-enterprise negotiation meetings, with business leaders and employee representatives, as well as practitioners from financial institutions and financial professionals from universities; held 3 farmer symposiums, with an average of more than 30 participants per session; held 38 lectures on financial topics, with an average of more than 50 participants per session Participants include township leaders, farmer entrepreneurs, individual industrial and commercial households, farmers returning to cities, farmers, civil servants, teachers and students; in-depth enterprise visits include planting, breeding, heavy industry and processing industries. More than 30 projects in various industries; Yuanmengyuan organized 33 on-site publicity sessions, hung banners and slogans, distributed and interpreted promotional materials; held discussions and exchanges including teachers and students of universities and personnel from Yuanmengyuan financial institutions. ..

3. What does comprehensive financial knowledge include?

1. Financial market in a broad sense: generally refers to all financial transactions conducted by both parties of supply and demand of funds using various financial instruments and through various channels. Transaction activities include all financial activities with currency as the transaction object between financial institutions and customers, between financial institutions, and between capital supply and demand parties, such as deposits, loans, trusts, leasing, insurance, bill mortgages and discounts, stocks And bond trading, gold foreign exchange trading, etc.

2. Financial market in a narrow sense: generally limited to financing activities using bills and securities as financial instruments, inter-bank lending between financial institutions, and gold foreign exchange transactions. 3. Financial market: a general term for activities such as monetary capital transactions between capital supply and demand parties using bills and securities as financial instruments, gold and foreign exchange trading, and inter-bank lending between financial institutions.

4. Primary market: Also known as the issuance market or primary market, it is the trading market formed when capital demanders sell financial assets to the public for the first time. 5. Secondary market: a trading market where old issued securities are transferred and circulated among different investors.

6. Financial instruments: Also known as credit instruments, they are legal documents that prove the relationship between creditor's rights and debts and are used to conduct monetary and fund transactions. 7. Stock: A type of marketable security, which is a certificate issued by a joint stock company to prove the investor's shareholder identity and rights and to obtain dividends and dividends.

8. Ordinary stock: a basic stock issued by a joint-stock company and the most standard stock.

9. Preferred stocks: stocks issued by a joint-stock company that have priority over ordinary shareholders in the distribution of company income and remaining assets.

10. Bond: A written certificate issued by the debtor to the creditor to assume the obligation to repay principal and interest within an agreed time. 11. Treasury bills: *** Short-term debt certificates issued to make up for the temporary shortage of treasury funds.

12. Mortgage corporate bonds: bonds issued by the company issuing the bonds with real estate or personal property as collateral. 13. Credit corporate bonds: The company issuing the bonds does not use any assets as collateral or guarantee, and the bonds are issued solely based on the company's credit.

14. Convertible corporate bonds: This type of bond stipulates that bond holders can convert into company stocks at a certain ratio and under certain conditions within a specific period of time. 15. Corporate bonds with subscription rights for new shares: This type of bond gives the bond holder the right to purchase newly issued shares of the company.

16. Reorganization corporate bonds: A bond with a lower interest rate issued by a reorganized company in order to reduce its debt burden. 17. Sinking fund corporate bonds: This kind of bond stipulates that the issuing company must regularly withdraw a certain proportion of the total issuance profits as a sinking fund before the bond matures, and hand it over to the entrusted trust company or financial institution for safekeeping, and gradually accumulate it to ensure Bonds are repaid in one lump sum at maturity.

18. Financial bonds: In order to raise funds, banks and non-bank financial institutions use their own reputation to issue bonds to the public in accordance with the relevant national securities laws and securities issuance procedures. 19. Fund securities: Also known as investment fund securities, they are securities issued to the public by the promoters of investment funds to prove that the holders enjoy asset ownership, asset income rights and residual property distribution rights according to their shares. It is The product of certain equity combinations of stocks, bonds and other financial products.

20. Bill: A negotiable and transferable negotiable security that the drawer promises or entrusts the payer to unconditionally pay a certain amount on a specified date or at the sight of the bill. 21. Free foreign exchange: Without the approval of the country that issues the currency, it can be bought and sold freely in the foreign exchange market and freely converted into currencies of other countries. They are widely used as means of payment and circulation in international economic exchanges.

22. Accounting foreign exchange: Without the approval of the relevant foreign exchange management department, it cannot be converted into the currency of another country. It can usually only be used between agreement countries in accordance with relevant agreements. 23. Derivative financial instruments: Also known as financial derivatives, they refer to a type of financial product whose value depends on the original financial instrument.

24. Money market: a short-term financial market that uses financial assets with a maturity of less than one year as the subject matter of transactions. 25. Interbank lending market: a market formed by short-term capital lending activities among various financial institutions.

26. Central bank bills: short-term bonds issued by the People's Bank of China, with maturities ranging from 3 months to 1 year. 27. Pre-issuance market: In reality, there is a kind of treasury bill trading that is not conducted after the issuance is completed, but is traded immediately after the news of the issuance is announced. This trading market is also called the pre-issuance market.

Such as the WI transaction in the United States. 28. Transferable large-amount time deposit certificate: a certificate of deposit issued by a commercial bank that can be transferred in the market.

29. Repurchase Agreement: The security holder agrees with the buyer when selling securities that the seller will repurchase an equal number of securities of the same type from the buyer at an agreed price on a certain date in the future. . 30. Capital increase: The issuance of new shares by an established joint-stock company is called capital increase.

31. Credit trading: Also known as advance trading or margin trading, it is a trading method in which the customer pays a certain amount of cash or stocks to the broker as a deposit, and the broker advances the balance.

4. Basic financial knowledge

The People's Bank of China is the central bank of the People's Republic of China. It formulates and implements monetary policies and supervises the financial industry under the leadership of the State Council. The macro-control department of management.

The People's Bank of China was formed on December 1, 1948 on the basis of the merger of North China Bank, Beihai Bank and Northwest Farmers Bank.

In September 1983, the State Council decided that the People's Bank of China would exclusively perform the functions of the national central bank.

On March 18, 1995, the Third Session of the Eighth National People's Congress passed the "Law of the People's Republic of China on the People's Bank of China". From then on, the People's Bank of China as the central bank The legal form is determined. The main responsibilities of the People's Bank of China include: formulating and implementing monetary policies in accordance with the law: issuing RMB and managing the circulation of RMB; approving, supervising and managing financial institutions in accordance with regulations; supervising and managing financial markets in accordance with regulations; issuing orders and regulations related to financial supervision and management business; Hold, manage, and operate the country’s foreign exchange reserves and gold reserves; manage the national treasury; maintain the normal operation of the payment and settlement system; be responsible for statistics, surveys, analysis, and forecasts of the financial industry; engage in relevant financial business activities in accordance with the law; serve as the country’s central bank , engage in relevant international financial activities; undertake other matters assigned by the State Council; manage the State Administration of Foreign Exchange in accordance with the regulations of the State Council.

The head office of the People's Bank of China is located in Beijing. According to the need to perform its duties, the People's Bank of China Head Office has 13 functional departments (departments), including: General Office, Articles and Laws Department, Monetary Policy Department, Banking Supervision Department I, Banking Supervision Department II, Non-bank Financial Institutions Supervision Department, Cooperation Department Financial Institution Supervision Department, Statistics Department, Accounting and Finance Department, Payment Technology Department, International Department, Internal Audit Department, and Personnel and Education Department.

In order to ensure that the People's Bank of China can scientifically formulate and implement monetary policies and effectively implement financial supervision, the Head Office of the People's Bank of China has also established a research bureau, a currency and gold and silver bureau, a treasury bureau, a security bureau, and a training center as Support service system. The Head Office of the People's Bank of China has 2 business management departments, 9 branches, 326 central sub-branches, and 1,827 county (city) sub-branches.

The branches of the People's Bank of China are dispatched offices of the head office. Their main responsibilities are to be responsible for the financial supervision of their respective jurisdictions in accordance with the authorization of the head office. In addition, the People's Bank of China has also established directly affiliated enterprises, institutions and overseas institutions such as the Printing Corporation, the Clearing Center, and the China Foreign Exchange Trading Center.

The so-called policy bank (policy bank / non-mercial bank) refers to those banks that are mostly founded, participated in or guaranteed by ***, which are not for profit and are dedicated to implementing and cooperating with *** society. Economic policies or intentions, within a specific business field, directly or indirectly engage in policy financing activities, and serve as a financial institution to develop the economy, promote social progress, and conduct macroeconomic management tools. Policy banks refer to institutions initiated and funded by the government to carry out financing and credit activities in order to implement and cooperate with the government's specific economic policies and intentions.

1. The emergence and development of policy banks are the product of state intervention and economic coordination. Compared with commercial banks and other non-bank financial institutions, policy banks have a revolutionary side. For example, loans must be strictly reviewed, and loans must be repaid with principal and interest, turnover, etc.

However, as a policy financial institution, it also has its own characteristics: first, the capital of policy banks is mostly allocated by the government; second, policy banks mainly consider the overall interests of the country and social benefits when operating. , does not aim at profit, but the funds of policy banks are not fiscal funds. Policy banks must also consider profits and losses, adhere to the basic principles of bank management, and strive to maintain capital and make small profits; third, policy banks have their own specific sources of funds, mainly They rely on issuing financial bonds or borrowing from the central bank and generally do not accept deposits from the public; fourth, policy banks have specific business areas and do not compete with commercial banks. 2. Many countries in the world today have established policy banks with a relatively comprehensive range of types and constitute a relatively complete policy banking system, such as Japan’s famous “two banks and nine treasury” system, including the Export-Import Bank of Japan and the Development Bank of Japan. , National Bank of Japan, Housing Finance Corporation, Agriculture, Forestry and Fisheries Finance Corporation, Small and Medium Enterprises Finance Corporation, Hokkaido Tohoku Development Corporation, Public Enterprises Finance Corporation, Environmental Sanitation Finance Corporation, Okinawa Promotion and Development Finance Corporation, Small and Medium Enterprises Finance Corporation Enterprise Credit Insurance Company; Commercial Bank" is the free translation of English commercial Bank.

On the issue of defining this concept, Chinese and Western approaches are different. We believe that the definition of a commercial bank should include the following key points: first, a commercial bank is an intermediary institution that grants and accepts credit; second, a commercial bank is an enterprise that aims to obtain profits; third, a commercial bank is the only one that can provide "bank money" ” (demand deposit) financial organization.

Generally speaking, the concept of commercial banks can be understood as: commercial banks are currency management enterprises whose main business is to operate industrial and commercial deposits and loans, and to obtain profits. This definition method actually summarizes the definition of commercial banks given by Chinese and Western scholars.

The characteristics of commercial banks are as follows: (1) Commercial banks, like general industrial and commercial enterprises, are profit-oriented enterprises. It also has its own capital required for business operations, operates in accordance with the law, pays taxes according to regulations, and is responsible for its own profits and losses. Like other enterprises, it aims at profit.

(2) Commercial banks are special enterprises that are different from general industrial and commercial enterprises. Its particularity is specifically reflected in the differences in business objects.

Industrial and commercial enterprises deal in commodities with certain use value and are engaged in the production and circulation of commodities; while commercial banks deal with financial assets and financial liabilities and deal in special commodities... Currency and monetary capital . The business content includes currency receipt and payment, lending and various financial services related to or associated with currency movements.

From the perspective of the social reproduction process, the operation of commercial banks is a condition for the operation of industrial and commercial enterprises. The difference from ordinary industrial and commercial enterprises makes commercial banks a special kind of enterprises - financial enterprises.

(3) Commercial banks are different from professional banks. The business of commercial banks is more comprehensive and has more comprehensive functions. It operates all financial "retail" business (store services) and "wholesale business" (large credit business), and provides all financial services to customers.

Professional banks only focus on business within a designated range and provide specialized services. With the financial controls in Western countries.

5. Two high school economics common sense questions

1. Domestic foreign-funded enterprises should pay more corporate income tax than Chinese-funded enterprises. I don’t want to pay taxes. Ah, after paying taxes, profits will be less, and foreign-funded enterprises generally run better than Chinese-funded companies, and their profits are better than Chinese-funded companies. If all the profits are earned by foreign capital, Chinese-funded companies will have nowhere to live.

2. For China, there is no connection. Because the RMB is not directly convertible yet and has to be pegged to the U.S. dollar, its international liquidity is not very good.

According to economics, tight monetary policy will reduce the amount of money in the market, so that the domestic currency circulating abroad will also decrease. At this time, according to the theory of supply and demand, when supply decreases, prices will rise. , corresponding to currency appreciation, that is, an increase in the exchange rate. At present, my country's RMB exchange rate is determined by the central bank and has not yet been determined by the market. Therefore, the United States calls on the central bank to increase the RMB exchange rate every day.