什么是简式贷款 简式贷款是指贷款人向借款人提供一笔资金（本金），借款人于到期日连本带利予以偿还。 例如，如果银行向你发放1万元1年期简式贷款，利率为10%。1年后，你必须还给银行本利之和1.1万元。银行向工商企业发放的商业贷款通常属于这种类型。 目录 1 简式贷款的到期收益率 简式贷款的到期收益率 例如，一笔1年期贷款，今天价值是100美元，1年后的偿还额是110美元。为使100美元贷款的今日价值等于1年后110美元偿付额的现值，其到期收益率是： 100美元=110美元/（1+r) 则到期收益率r=(110-100)/100=0.10=10％
A futures contract with a provision permitting the contract holder to convey his or her rights of assignment to a third party. This enables the contract holder to assign the rights and obligations of a contract to another to perform and receive the benefits of that contract before it closes. For example, if an investor holds a futures contract and the holder finds that the security has appreciated by 1% at or before the contract is closed, then the contract holder may decide to assign the contract to a third party for the appreciated amount, thus making a profit on the contract before it even closes.Not all futures contacts have this provision. In fact, most exchange traded contracts are not assignable. Assignable Contract A futures contract with a provision permitting the contract holder to convey his or her rights of assignment to a third party. This enables the contract holder to assign the rights and obligations of a contract to another to perform and receive the benefits of that contract before it closes. For example, if an investor holds a futures contract and the holder finds that the security has appreciated by 1% at or before the contract is closed, then the contract holder may decide to assign the contract to a third party for the appreciated amount, thus making a profit on the contract before it even closes.Not all futures contacts have this provision. In fact, most exchange traded contracts are not assignable.
The difference in earnings or performance between what is actually achieved and what could have been achieved with the absence of specific fees, expenses or lost time. Forgone earnings represent the investment capital that the investor spent on investment fees. The assumption is that if the investor had been exposed to lower fees, he or she would have generated a better return. This term is often used when referring to management fees or other expenses paid to mutual funds, exchange-traded funds, or other pooled investment vehicles. Foregone earnings as they relate to investment performance can be a big drag on the long-term growth of assets. Something as seemingly innocent as a front-end load or a 1% management fee can cost thousands of dollars as the years pile up, thanks to the wonders of compound returns. To limit forgone earnings, it is important to look at the costs associated with each investment. For example, say you have $10,000 to invest and one fund charges 0.5%, while the other fund charges 2%. If you invest in the 2% fund, you will be charged $200, while the 0.5% fund only charges $50. The difference, or $150, is your forgone earnings, which could have been invested instead of being lost to fees.
The number of currency positions a trader can carry over from one trading day until the next. The central bank that regulates the bank or financial institution where the positions are held sets the overnight limit. These limits are reviewed on an ongoing basis. |||Overnight limits are preventative measures enacted by central banks to keep financial institutions from accumulating more currency exposure than can be hedged by the close of the trading day. This also has the effect of making financial institutions keep a closer eye on exposure to exchange rate movements throughout the day. Central banks can also set intraday limits to mitigate risk in the foreign exchange market.
什么是累进付款抵押贷款 累进付款抵押贷款是指最初几年付款额较低，有的甚至不足于偿付当月利息，以后每月付款额随着年薪额的增长而逐步加大。 与传统的平均偿付的抵押贷款不同，尽管利率在整个期间固定，但是并非所有偿付额都相等。偿付额起初比较小，然后在期间的某一个或几个时点被调到一个新的较高水平，并持续一段时间，甚至到某一个时点，在剩余期间的支付额相等。这个基本框架有各种变形，但其原理基本上是一样的。累进还抵押贷款的分期付款时间表通常包括一个负摊销的时期。因为每期偿付额未能付足当期利息而导致贷款本金余额的增加——这至少在还款的前几年是会出现的。 ">编辑] 目录 1 累进付款抵押贷款的评价 2 参考文献 累进付款抵押贷款的评价 累进付款抵押贷款是为一个刚走上工作岗位的青年职工设计的，其收入可能随着职务的提升而逐步提高。这种贷款办法有的还在调整付款金额的同时，根据市场利率相应地调整贷款利率。 累进付款抵押贷款使借款人易于支付月费，以相同的定金购买较多的住宅，但由于最初年份月付款常不足支付利息，本金逐年增加，使贷款人有更多的资金面临违约的风险。 参考文献 ↑ 1.0 1.1 韦公远.美国住宅抵押贷款的创新形式多(J).中国房地产报,2003-1-16 ↑ John F Marshall,Vipul K Bansal,Marshall,Bansal.《金融工程》.清华大学出版社,1998
In mutual funds, a unique number identifying your account with the fund. Like a bank account number, the folio number can be used as a way to uniquely identify fund investors and keep records of items such as how much money each investor has placed with the fund, their transaction history and contact details. A folio number can also be used to identify journal entries or parcels of land. All mutual funds need some sort of recordkeeping system in place. This information is necessary for ensuring each investor is returned the money they are entitled to, and for determining what fee structure applies to each investor. While recordkeeping is most often facilitated by the broker, in some cases an investor may be asked for a folio number by the fund provider to help ensure accuracy. This folio number may be present on investment statements or may be obtained through your broker.
A form of arbitrage involving the rearrangement of a bank's cash by taking its local currency and depositing it into eurobanks. The interest rate will be higher in the interbank market, which will enable the bank to earn more on the interest it receives for the use of its cash. |||Outward arbitrage works because it allows the bank to lend for more abroad then it could in the local market. For example, assume an American bank goes to the interbank market to lend at the higher eurodollar rate. Money will be shifted from an American bank's branch within the U.S. to a branch located outside of the U.S. The bank will earn revenues on the spread between the two interest rates. The larger the spread, the more will be made.
An option payoff that is equal to the asset's price if the asset is below the strike price, otherwise the payoff is zero. Watch: Put Option These types of options don't function like regular (plain vanilla) options that pay the difference between the exercise (strike) price and market price at expiry. Asset-or-Nothing Put Option An option payoff that is equal to the asset's price if the asset is below the strike price, otherwise the payoff is zero. Watch: Put Option These types of options don't function like regular (plain vanilla) options that pay the difference between the exercise (strike) price and market price at expiry.
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