金融英语综合辅导之银行的业务:重点归纳

　　第一章： The Hong Kong banking¹ system – an introduction 1

　　第二章 Money， banking and the economy 4

　　第三章： The Hong Kong banking regulations-capital adequacy and liquidity² ratios， the limitations and restrictions³ of banking practices 5

　　第四章： International banking- regulatory and market development 7

　　第五章 financial institutions， the capital and money markets 8

　　第六章bank clearing system and fund transfer 10

　　第七章 banking business for the personal sector⁴ 11

　　第八章 banking services for the business sector 12

　　第九章 private banking and merchant banking 14

　　第十章 The banks’ role in international trade 15

　　第十一章 Financing foreign trade- documentary credits and collections， shipping⁵ terms and documents 17

　　第十二章 International money transaction 20

　　第十三章 Foreign exchange 22

　　第十四章 Basic considerations in granting credit facilities 24

　　第十五章 Types of advances 25

　　第十六章 Special types of borrower – the commercial sector 26

　　第十七章 Securities for lending 28

　　第十八章 Balance sheet analysis 29

　　第十九章 Advance control 30

　　第一章： The Hong Kong banking system – an introduction

　　l The main features of the three-tier system

　　The essential feature of the change in the system is that the old categories of the Licensed⁷ Deposit –Taking Companies （LTDS） and the Registered Deposit-taking Companies （RTDS） were replaced by two new categories， the restricted licensed banks （RLBs） replace the LTDS and the deposit taking companies （DTCS） replace the RDCs.

　　There is no change in respect of Licensed Banks except that the minimum paid-up share capital for locally incorporated banks is increased from HK$100 million to HK$150 million.

　　The word “bank” or its derivatives⁹ must be qualified¹⁰ by adjectives such as “merchant” or “investment”， so that they are clearly differentiated¹¹ from licensed banks. However， terms such as “commercial “or “retail¹²” are not acceptable.

　　A RLB incorporated overseas may trade under its corporate⁸ name， even though that name includes the word “bank”（or its derivatives）， however， the name must be used immediately in conjunction with the phrase “restricted licensed bank”。

　　The minimum paid-up shares capital requirement is now HK$25 million instead of HK $10

　　million as before.

　　l The implications of the system

　　Sound overseas banks， even though they do not meet the approval criteria¹³ for a full license⁶， are now allowed to branch into HK as RLBs， as an alternative to setting up a subsidiary here.

　　1. Direct entry to the tier of RLB is allowed.

　　2. The status of RLB is superior to that of the LDTC where a RLB is incorporated overseas.

　　3. Overseas banks are newly –authorized¹⁴ RLBs in branch form are allowed to operate only from offices in one building

　　4. Local banks traditionally operate in the retail market whereas overseas banks authorized as RLBs are mainly carrying on merchant banking business.

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