Some knowledge, as practitioners, must be understood. If you want to strengthen your self-cultivation, you may wish to look at the following suggestions and choose according to your own situation.

First, find an easy entry point into the market. For example, if you are relatively familiar with funds, then get to know them. If you are familiar with insurance, know insurance first. Don't catch everything together. It is difficult to expand the region and become a person who can talk about finance endlessly. Find fields that you are familiar with, like and are relatively good at, read relevant books and communicate with corresponding practitioners.

Second, continuous and in-depth research. If you can't do continuous and in-depth research, a lot of knowledge in this field will not be solid in the end. The financial industry will change with the change of environment. Once the policy is adjusted, great changes will take place. If you want to get started, you must have a solid knowledge.

Third, when encountering problems, we should learn to focus on one direction and expand peripheral knowledge. These peripheral knowledge can be in the financial industry or in other fields, and there are no specific restrictions.

Fourth, learn more about the financial situation of related industries. Some real things in the market environment, no matter how finance works, make money but not make money, and finally invest in the industrial field. Learn more about the industry and look back at finance, and you may have a deeper understanding.

Fifth, it is difficult to communicate and think more, and it is difficult to fully understand the knowledge in a financial field. Learn as much as possible and expand your surroundings as much as possible.

Tips: The above contents are for reference only.

Reply time: 202 1-09- 18. Please refer to the latest business changes announced by Ping An Bank in official website.

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How to learn financial knowledge quickly?

There is a lot of basic knowledge online, so you can learn it by yourself. If you want to work, you need to study professionally.

1. What is the deposit reserve ratio and reserve ratio?

The deposit reserve ratio is an important monetary policy tool of the central bank. According to the law, commercial banks must deposit a certain percentage of their deposits in the central bank. By adjusting the deposit reserve ratio of commercial banks, the central bank can control the base currency, thus regulating the money supply.

The People's Bank of China canceled the requirement for the reserve ratio of commercial banks, and combined the original deposit reserve ratio and reserve ratio into one. At present, the reserve refers to the part of the deposit of commercial banks in the central bank that exceeds the deposit reserve ratio, which is generally called excess reserve.

2. What is money supply?

Money supply refers to the total amount of money circulating in an economy at a certain point. Because many financial instruments have the function of money, money has narrow and broad definitions.

If money only refers to cash in circulation, it is called M0; In a narrow sense, money M 1 refers to cash in circulation plus bank demand deposits. The demand deposits here only refer to the demand deposits of enterprises; M2 refers to M 1 plus savings deposits of residents and time deposits of enterprises. Money supply is an important monetary policy operation goal of the central bank.

3. What is "passive purchase of foreign exchange by the central bank"?

According to the current foreign exchange settlement and sale system, enterprises should sell foreign exchange income to designated foreign exchange banks, which must sell foreign exchange purchases exceeding a certain amount in the inter-bank foreign exchange market. If an enterprise wants to buy foreign exchange, it needs to hold the corresponding documents to the designated foreign exchange bank to buy it. Accordingly, designated foreign exchange banks will buy in the inter-bank foreign exchange market when foreign exchange is insufficient.

As China implements a managed floating exchange rate system, the exchange rate needs to be kept at a relatively stable level. Therefore, once there is a balance of payments surplus and foreign exchange supply increases, the central bank has to passively buy foreign exchange in the inter-bank foreign exchange market and sell RMB, that is, spit out the base currency while maintaining exchange rate stability.

4. What is loan migration analysis or credit risk migration analysis?

Loan migration analysis or credit risk migration analysis is a new credit risk analysis method based on probability analysis in recent years. It uses the historical loss data of loans to calculate the proportion of current loan losses in the bank loan portfolio, so as to determine whether the loan loss reserve is sufficient. Generally speaking, loan migration analysis has four main steps:

Group loan portfolios according to loan type or risk category. If loans can be divided into normal, concerned, secondary and suspicious, loans can also be divided into real estate loans, secured loans, credit loans, automobile consumption loans and other categories. This is mainly because different types of loans have different histories.

Determine the loss rate of various loans. For example, the interest-related loan loss in the fourth quarter was 2%; Analyze the factors that affect the change of loan loss rate and adjust the existing loss rate; Multiply the adjusted loss rate by the amount of each loan in the current quarter to get the loss amount of each loan.

Loan migration analysis must have at least four consecutive quarters of loan loss data. The premise of loan migration analysis is to have an effective problem loan identification system, accurate loan classification and loan loss write-off system. Otherwise, the quality of loan migration analysis cannot be guaranteed.

5. What is the concept of prudent bank capital supervision advocated by CBRC?

Improving the capital adequacy ratio of commercial banks and prompting them to withdraw sufficient loan loss reserves are important measures for commercial banks to cope with macroeconomic fluctuations, and also concrete measures to implement the regulatory concept of "managing legal persons, managing internal control, managing risks and improving transparency" of CBRC.

Prudent bank capital supervision is to improve the accuracy of the five-level classification of commercial banks' loans, and on this basis, commercial banks should set aside sufficient loan loss reserves to reflect the bank's operating results more truly, so as to make the capital adequacy ratio of commercial banks reach the prescribed standards. That is, "improve the accuracy of the five-level classification of loans? Get ready? Really profitable? The capital adequacy ratio is up to standard. "

6. What is connected transaction?

Related party transactions of commercial banks refer to the following matters that transfer resources or obligations between commercial banks and related parties, including credit granting, guarantee, asset transfer and service provision. The related parties of commercial banks include both natural persons and legal persons or other organizations. Related natural persons include internal personnel of commercial banks, major natural person shareholders and their close relatives, controlling natural person shareholders, directors and main management personnel of related legal persons of commercial banks, and other natural persons who have great influence on commercial banks.

Major non-natural person shareholders of affiliated legal persons or other organizations including commercial banks; Legal persons or other organizations that are directly or indirectly controlled by enterprises together with commercial banks; Insiders of commercial banks, major natural person shareholders and their close relatives directly or indirectly control or can exert significant influence on legal persons or other organizations; And other legal persons or other organizations that can directly, indirectly and jointly control commercial banks or exert significant influence on commercial banks.

7. What are inflation and consumer price index?

Inflation refers to the continuous rise in the overall price of an economy over a period of time. Inflation is a monetary phenomenon, that is, the amount of money in circulation exceeds the amount of money needed for products and services. The direct result is a decline in purchasing power. Usually, the inflation rate is measured by the consumer price index (CPI).

8. What is the balance of payments?

Balance of payments refers to various economic transactions between an economy (usually a country or region) and other economies in the world in a certain period of time. Among them, economic transactions are transactions between residents and non-residents As a flow, economic transactions reflect the creation, transfer, exchange, transfer or reduction of economic value, including current account transactions, capital and financial account transactions and changes in international reserve assets.

The balance of payments statement is based on the double-entry bookkeeping principle, takes a specific currency as the unit of measurement, and comprehensively reflects all economic transactions between an economy (usually a country or region) and other economies in the world in a specific period in a concise tabular form.

9. What is a "soft landing"?

A "soft landing" means that an economy is slowing down its economic growth to avoid high inflation and high interest rates, and at the same time to prevent the economy from falling into recession. China's economy must achieve a "soft landing" to ensure sustainable economic growth. China's previous macro-control experience has repeatedly proved that economic ups and downs will cause great damage to sustainable development, and it will take longer and cost more to recover.

Since last year, the Central Committee of the Communist Party of China and the State Council have carried out moderate macro-control on some major issues, such as overheating in some industries and excessive growth in fixed assets investment. Its fundamental focus is to protect, guide and give full play to the enthusiasm of all parties to accelerate development, eliminate unstable and unhealthy factors in economic operation in time, and promote the sound, rapid, stable and sustainable development of the national economy.

10, what is the camel rating system?

The rating method "camel" regulated by the United States has only five categories of indicators, namely capital adequacy ratio (CAR), asset quality (asset quality), management level (operation level), profitability (profitability) and liquidity. The first letter of the English word is "CAMEL", which is exactly the same as the English word "camel", so the rating method is called "camel" rating method for short.

After development, financial supervision has been widely used in all countries in the world. After development, "SensitivitytoMarketRisk" has been added, and now it has developed into "camel", which is officially called "unified bank rating system within federal supervision and management institutions" and commonly known as "CAMELRatingSystem".

How to teach yourself finance

Basic knowledge: financial market and monetary policy; Financial accounting; ; Corporate financing; Securities pricing. Utility theory, stock pricing; Securities market. Categories and trading mechanisms of various financial products; International finance. Various financial products/foreign exchange market mechanisms/balance of payments items/various exchange rate systems/exchange rate adjustment mechanisms in the foreign exchange market. Recommend a book-stie Gerries; Enterprise strategy. Company strategic decision.

Finance, self-taught, is more suitable for small and medium-sized entrepreneurs, because it can be used in reality after learning. If you have learned it, you must use it in order to understand it thoroughly. Most people have learned it. It's hard to have a chance to practice. Others dare not use you. There will be some people. Take the road of drilling legal loopholes. An ordinary person can only start from private financial institutions, from personal financing and simple financing of enterprises.

Generally speaking, the number, types and advanced degree of financial instruments, as well as the number, types and efficiency of financial institutions, have formed financial structures with different levels of development. Goldsmith, a western economist, believes that the financial system of a society is composed of many financial instruments and financial institutions. Different types of financial instruments and financial institutions combine to form different financial structures.

Extended data:

Finance refers to the issuance, circulation and withdrawal of money, the issuance and recovery of loans, the deposit and withdrawal, the exchange of foreign exchange and other economic activities.

Finance is to realize the equivalent circulation of value and profit after the re-integration of existing resources. The professional view is that the process from saving to investment can be narrowly understood as financial dynamic monetary economics. )

Finance is the behavior that people make decisions on the optimal allocation of resources in an uncertain environment.

Reference source: Baidu Encyclopedia Finance

How to teach yourself economics and finance?

How to teach yourself economics and finance?

To learn economics, you don't need any too difficult mathematical foundation. But we must have systematic logical thinking ability. Read an economics book slowly, use your brain to read it, and ask the predecessors who study economics when you encounter problems. It is not difficult to learn economics.

How to teach yourself finance?

Buy relevant books to study. I majored in finance. Our professional courses are as follows. You can buy books for self-study according to these courses: monetary finance, economic law, financial law, international finance, trust leasing, insurance, financial English, western economics, accounting basis and securities investment.

In addition, pay more attention to TV news, which is related to finance and economics. If you have any other questions, please leave me a message on Baidu, and I will give you an answer in time.

Please adopt it.

How to self-study economic entrepreneurship?

Economics needs to read a lot of books and understand both sides. In addition, business administration, financial accounting and the like should also be linked. Of course, the main thing is practice. There are also many successful entrepreneurs after graduating from primary school. You can learn about how to deal with people, how to sell, psychology and political history. You just want to be a person who can communicate freely with anyone.

How to teach yourself finance? Where to start!

You can read all the books involved in college courses and then find relevant jobs to practice.

How to teach yourself finance, do you need to take any certificate?

Finance is also divided into loans, financing and wealth management securities. You have to decide which one to buy.

How to teach yourself Principles of Economics? I'm a freshman majoring in finance, and I'm at school.

You can teach yourself by reading books. If you don't know the problem, you can Baidu on the Internet or download related video courseware. Of course, the most direct way is to consult the seniors in the school.

How to teach yourself finance and economics

First of all, you have to determine the direction. The term finance and economics is very general.

Secondly, after determining the learning direction, go to a regular bookstore to buy relevant books;

Thirdly, if you want to get a degree or qualification certificate, you must apply for a class or apply for it;

Finally, we should pay attention to learning methods, learn more and practice more, so that the effect is ideal.

I hope I can help you! Ask me if you don't understand anything!

What books should I read for self-study in economics, management and finance?

Microeconomics and macroeconomics are essential for economics. If you want to take the exam, you can read these two books written by Gao Hongye. He writes in detail and is well organized, but if you want to understand the economy from the superficial to the deep, I recommend reading: Author: (America) Translator: Liang Macroeconomics and Author: (America) Pindick Translator:.

Management book Professor Zhou Sanduo's Management is a good textbook, and I also recommend Management published by Lixin Publishing House. Both books are very good, but management focuses on practice, so it is good to master theoretical things.

Macro-finance will be easier for beginners to accept, because it explains some concepts thoroughly, and the versions published by Lixin and Xiamen University are very good.

How to teach Revit by yourself

You can go to the headline search BIM observation, which contains a lot of learning skills and materials of revit.

How to teach yourself beatbox?

BeatBox basic trilogy

1.k = kick drums.

Pronunciation method:' no', similar to' no'.

Pronunciation skills: Say' No' continuously, and you will notice that there will be a little nasal sound and' U' when you say this word. Then you need to remove these two sounds, and you will feel a breath coming out of your mouth, which is the big drum sound.

Note: You don't need to exhale to make a good drum sound, it's a natural action of mouth shape and mouth. If you feel something is wrong during practice, try to do 20 kicks easily. If so, it means you have to do it right.

Pronunciation course

2.H=HIHAT

Pronunciation method:' Sting' is similar to' Sting',' creaking' is similar to' creaking' softly (Ze), and you can also pronounce'.

Pronunciation skills: naturally close your teeth, put your tongue at the connecting line between your upper teeth and your mouth, and then make a' stinging' sound, or directly make a' stinging' sound.

The pronunciation of this word is the same as that of'.

Note: Not yet.

Pronunciation course

3.s = snare drum Jr.

Pronunciation method: inhalation

Pronunciation skills: First, shut up naturally, form a small gap with your mouth, and inhale into your lungs, which will make a fart-like sound. Then open your mouth and the sound will be over. Then start practicing in circles, and then shorten the time to inhale, that is, when the air enters the mouth and makes a rubbing sound, you can make a trap. Note: the fricative sound is not easy to find, so you'd better adjust the gap slightly.

Note: Sink strings can be divided into inhalation and exhalation, which is a common sound in freestyle. This sound may be difficult for beginners. Many people give up BBox on this sound, but I hope you can practice more. In fact, this sound is not difficult.