货币金融学第一章货币金融学第一章.docVIP

为什么要学习货币银行学？这里至少有五个学习货币银行学的理由： 管理你的私人资源。 应对商业世界。 追求有趣且值得从事的工作机会。 作为公民，做出知情权条件下的公共选择。 拓展思维。 货币、银行与金融市场学 (The Economics Of Money, Banking and Financial Markets) 教材： 学生用书：《货币金融学》(The Economics Of Money, Banking and Financial Markets)，[美] Frederic S. Mishkin/著，中国人民大学出版社，2011年第九版。 教师用书：“The Economics Of Money, Banking and Financial Markets”，9th Edition. Frederic S. Mishkin, 2010. 阅读书目： 1．《西欧金融史》，[美]P. 金德尔伯格/著，中国金融出版社，1991年。(“A Financial History of Western Europe”, Charles P. Kinderberger.) 2．《货币史—从公元800年起》，[英]约翰. F. 乔恩/著，商务印书馆，2002年。(“A HISTORY OF MONEY—From AD 800”, John F. Chown, 1994.) 3．《国际金融市场》第四版，[英]斯蒂芬. 瓦尔迪兹 朱利安. 伍德/著， 中国金融出版社，2005年。(“An Introduction to Global Financial Market”, 4th Edition, by Stephen Valdez, 2003.) 4．“Lombard Street: A Description of The Money Market”, by Walter Bagehot. 5．《货币银行学》，黄达/编， 中国人民大学出版社。 6．《货币银行学》，夏德仁 李念斋/编，中国金融出版社。 Part 1 导言(Introduction) Chapter 1 为什么要研究货币、银行和金融市场? (Why study Money, Banking, and Financial Market)? 一.为什么要研究金融市场(Why study Financial Market)？ Part 2 of this book focuses on financial market, market in which funds are transferred from people who have an excess of available funds to people who a shortage. Financial market such as stock market and bond market are important in channeling funds from people who do not have a productive use for them to those who do, a process that results in greater economic efficiency. Activities in financial market also have direct effects on personal wealth, the behavior of businesses and consumers, and the overall performance of the economy. （一）债券市场(The Band Market and Interest Rates) A security (also called a financial instrument) is a claim on the issuer’s future income or assets (any financial claim or piece of property that is subject to ownership). A bond is a debts security that promises to make payments periodically for a specified period of time. The bond market is especially important to economic activities and because it enable corporations or governments to borrow