Termeni economici definiti in limba engleza

3x puncte

categorie: Engleza

nota: 7.87

nivel: Facultate

• Investment Bank= a bank that acts as an intermediary between entities that want to issue securities and investors; it may also be involved in controlling portofolios, advise on mergers, takeovers, privatization.
• Merchant Bank=specific to the Uk, currently considered an Acceptance House, its main functions are dealing with acceptance and discounting of bills of exchange and tra[...]
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• Investment Bank= a bank that acts as an intermediary between entities that want to issue securities and investors; it may also be involved in controlling portofolios, advise on mergers, takeovers, privatization.
• Merchant Bank=specific to the Uk, currently considered an Acceptance House, its main functions are dealing with acceptance and discounting of bills of exchange and trade finance; it also deals with mergers, takeovers, share placing, new issues of securities, investment management; the origins of such institutions stemmed from trading as merchants with specialized knowledge in certain commodities or regions of the world; eventualy as banking become more important to them then acting as merchants they were given the popular name of "merchant banks".

• Bank deposit= funds placed with a bank in a saving account or in a demand account subject to withdrawal.
• Borrower=a person or group that obtains funds from a lender for a particular period of time. They assume
legal obligations for the repayment of the load principal plus interest.
• Cash in hand= the amount of money held in the form of notes and coins by a person or business.

• Funding=the means of raising cash to invest in earning assets; banks fund their assets with deposit and non-deposit liabilities.
• Globalisation=the internalisation of financial institutions and markets.
• Hedge Fund=private investment partnership or an offshore investment corporation in which the general partner has made a substantial personal investment in order to invest in many markets; this funds often take large risks and speculative strategies.
• Leverage=the use of debt financing by a firm.
• Money market fund=a type of mutual fund set up in the '70 in the USA that invests in short term money market instruments to benefit from increases of interest rates.

• Mutual fund= financial intermediary that pulls the resurses of many small investors by selling them shares and using the proceeds to by securities.
• Non-Bank=organisation which either accepts deposits or make comercial loans, but not both.
• Saving bank= a term used to cover a variety of banks whose function is to encourage small savers; the major services are the deposit and withdrawal of cash, with interest paid on balances; with the change that have taken place in the banking systems, few banks can be regarded as purely saving banks.
• Country risk=risk that economic or political changes in a foreign country will cause delays in loan repayments; it is broader then country risk as it takes in to account the probability of debt repayment by private borrowers as well as central goverments.

• Credit risk=refers to the probability of borrowers not repaying their loans, it is a major risk a commercial bank faces.
• Foreign exchange risk=the uncertainity associated with an expected change in the value of foreign currencies; also calles currency risk.
• Interest rate risk= the exposure to unexpected change in interest rates; it is measured by a banks gap, i.e. the diference between rate sensitive assets and rate sensitive liabilities; it has two components: risk and reinvestment risk.
• Liquidity risk= the uncertainity about a bank's ability to meet its obligations as they fall due including both deposit withdrawals and loan demand.
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