A commonly used term to describe an investment company, which is a corporation or trust engaged in the business of investing the pooled capital of investors in financial securities. This is most often done either through a closed-end fund or an open-end fund (conventional mutual fund). In the U.S., most fund companies are registered and regulated by the Securities and Exchange Commission under the Investment Company Act of 1940. Also known as a "fund sponsor" and an "open-end fund company". Fund companies are business entities, both privately and publicly owned, that manage, sell and market closed-end and open-end funds to the public. They typically offer a variety of funds and investment services to investors, which include portfolio management, record keeping, custodial, legal, accounting and tax management services.
An option whose notional payments increase significantly after a set threshold is broken. Commonly used in foreign exchange markets, these options provide greater leverage to the holder. The main idea behind the balloon option is that after the threshold is exceeded, the regular payout is increased. For example, let's say that the threshold is $100. After the underlying exceeds this amount, rather than paying the regular dollar-for-dollar amount, the option payment would balloon to $2 for every $1 change against the strike price.
In currencies, this is the abbreviation for the Philippine Peso. |||The currency market, also known as the Foreign Exchange market, is the largest financial market in the world, with a daily average volume of over US $1 trillion.
经纪人贷款概念 银行对证券经纪人和自营商以所持证券为抵押品的贷款，称为经纪人贷款。对经纪人贷款要收取一定的保证金，即购买证券不能全额用银行贷款，必须使用一定比例的自有资金作保证，超过自有资金的部分由银行提供贷款。 目录 1 经纪人贷款保证比例 2 经纪人贷款的意义 经纪人贷款保证比例 保证比例是指证券经纪人自有资金数量占抵押证券价值的比率。 保证比率越高，借款比率越低，贷款风险越小；相反，保证比率低，贷款风险大。 经纪人贷款的意义 （1）为银行资产流动性提供了一个重要途径，使银行找到了短期资金利用的新途径。 （2）成为货币市场与资本市场的通道。当银行信用过度流入证券市场使证券市场的价格暴涨，中央银行便提高保证比例，经纪人贷款随之下降，减少了流入证券市场的资金数量，使证券价格回归合理价格；当证券价格暴跌时，中央银行可适当降低保证比率，对经纪人的贷款随之增加，使证券价格回归合理价位。
A way of differentiating mutual funds according to their investment objectives and principal investment features. This categorization allows investors to spread their money around in a mix of funds with a variety of risk and return characteristics. With stock funds, the basic categories are defined by the size of the companies in which the fund invests - large-cap, mid-cap and small-cap - and investment style - value, growth and blend (value/growth mix). Specialty stock funds (real estate, healthcare, etc.) and international funds offer additional opportunities.Bond funds are categorized principally by their average portfolio maturities - long, intermediate and short - and credit quality - high, medium and low. Municipal and international funds provide additional bond investment diversification.Hybrid, or asset allocation, funds offer a mix of stock and bond investments and come in two types: conservative and moderate allocation.
The currency abbreviation or currency symbol for the Philippine peso (PHP), the currency of the Philippines. The Philippine peso is made up of 100 centavo or sentimo and is often represented with a symbol that looks like the capital Latin letter "P" with two horizontal slashes through the circular top half, a "P" with one horizontal slash, or just P. |||The peso was originally created in 1852 as a replacement for the Spanish dollar. Through revolution, colonialism, and war, the peso survived. However, it did suffer many devaluations and demonetizations. The Central Bank of the Philippines was created in January of 1949, and the colonial pesos which were being hoarded rather than surrendered were demonetized in 1964. From 1964 on, the exchange rate has been allowed to float. It has undergone many more devaluations since being allowed to float.
A type of options spread in which a trader holds more long positions than short positions. The premium collected from the sale of the short option is used to help finance the purchase of the long options. This type of spread enables the trader to have significant exposure to expected moves in the underlying asset while limiting the amount of loss in the event prices do not move in the direction the trader had hoped for. This spread can be created using either all call options or all put options. An example of a backspread using call options would be selling one $45 call option for $5 and purchasing two $50 call options for $2.10 each. The trader in this case would benefit from a large move past $50 because he/she is holding more long options than short.
什么是经济担保贷款 经济担保贷款是指要求借款人以第三方经济信誉或财产进行担保，作为还款保证而发放贷款的一种方式。担保方负有监督借款人按期如数还款和代借款人偿还逾期贷款本息之责。 银行放款时要考虑贷出款项的安全性，即要充分考虑到期能否按时收回本息。借款人向银行提出贷款申请，银行经过分析研究不能确保借款人到期能够偿还贷款，便要求借款人寻求经济担保。如果银行和借款人之外的第三方愿意以自己的信誉或财产为借款人提供经济担保，银行就贷给借款人资金，以这种方式发放的贷款就是经济担保贷款。 目录 1 经济担保贷款的担保人 2 经济担保贷款的程序 3 参考文献 经济担保贷款的担保人 （一）在经济担保贷款中，提供担保的第三方通常被称作担保人。 担保人以自己的名义担保借款人履行借贷合同，从银行取得贷款，就要承担起相应责任： 1、在银行与借款人订立借贷合同后，担保人要监督借款人按期如数偿还贷款本息。 2、如果借款人到期不能清偿全部贷款本息，担保人就应按合同规定承担连带责任，代为清偿贷款。若担保人不履行其代偿义务，银行有权对其提起诉讼。 （二）银行对担保人有一定要求，通常担保人应符合如下条件: 1、担保人必须具备法人资格。所谓法人，是指具有民事权利能力和民事行为能力，依法独立享有民事权利和承担民事义务的组织。通俗地讲，就是依法成立，在经济活动中能够自 我作主并为此承担经济责任、有经济收人的企业。 为他人借款提供担保，担保人要承担一定的民事责任，即借款人到期不能足额偿还贷款本息时，担保人必须代为偿还，如果担保人不具备法人资格，一旦借款人无力偿还贷款本息，需要担保人代偿时，由于担保人不具备法人资格，其担保不具备法律效力，也就不能兑现其诺言，履行其义务，所以银行要拒绝不具备法人资格的担保人为他人借款提供担保。 判定担保人是否具备法人资格主要看其是否具备以下条件: 依法成立； 有自己的名称、组织机构和场所； 有必要的财产或经费； 能独立承担民事责任。 2、担保人必须是经济实体。银行要求担保人必须是经济实体是因为，非经济实体的法人如政府机构、社会团体虽然也有相当的经济收人，但其收人大都来源于国家财政拨款，这些收入一般不得挪作他用，特别是不能用于经营性支出，所以即使这些单位签订了书面契约，愿意为借款人提供担保，其担保也不具备任何法律效力。判定担保人是否经济实体的标准，是在具备法人基本条件的基础上，再加上以下两个条件： 以创造财富和盈利为目的； 各项费用支出主要靠自身经营性收人 支付。 3、担保人必须具有足以代偿贷款的经济实力。这一点非常重要，如果担保人的经济实力不足以偿还贷款，那么它所作的各种允诺都不过是一纸空文，毫无意义。 ">编辑] 经济担保贷款的程序 1、借款人找保 经银行审查，认定需要借款人提供贷款担保，借款人应根据贷款金额、贷款期限，寻找相应的担保人。贷款担保人必须是具有法人资格的，有经济收入的经济实体。担保人承担代为借款人偿还借款的责任后，应开具《贷款担保意向书》，由借款人转交银行。 担保意向书要包括担保人名称、开户银行以及能反映企业现有财产、现有负债、经济效益状况的经济指标，同时还要表达出愿为借款人提供经济担保的条款。担保意向书应加盖法人公章和法人代表的签章。 2、银行核保 银行在发放经济担保时，必须对担保人的资格、资产等进行详尽的调查 和核实。银行核保主要侧重以下几个方面: 审查担保人的法人资格； 验证担保人的法人公章及法人代表签章的真伪； 审查担保意向书有关项目的真实性； 从生产经营、经济效益、还款能力等方面审查担保人的担保能力。 3、银行审批 信贷员通过计算，确定担保有效金额，然后，根据核保结果，把具体意见填入《贷款担保意向书》内。同时，要把核保过程，确定担保数额的依据等。以书面形式向信贷科（股）长汇报。信贷科（股）长审核后，在《贷款担保意向书》上签署意见。对不在本行开户的担保单位，要与担保单位的开户行信贷部门取得联系，了解担保单位的资信情况。然后银行要同借款人、担保方签订合法完整的借贷合同、担保合同。以明确各方的责任。 参考文献 ↑ 1.0 1.1 葛长银.《钱生钱——企业金融手册》
登录
工商服务
危机公关
金融律师
app开发
财税服务
金融牌照
网站建设
知识产权
企业征信
审计评估