een samenvatting die alles uit het boek + slides + lessen bundelt. ik heb met deze samenvatting een 17/20 gehaald voor het vak Bank en Verzekeringen in het 1ste jaar bedrijfsmanagement op Arteveldehogeschool.
Inhoud
1 Hoofdstuk 1: het Belgisch financiewezen........................................................................................8
1.1 Financiële sector in brede zin...........................................................................................................8
1.1.1 Kredietinstellingen.........................................................................................................................8
1.2 Betalingsinstellingen en instellingen voor elektronisch geld..........................................................10
1.3 monetaire overheid........................................................................................................................10
1.3.1 ECB, ESCB en het eurosysteem....................................................................................................10
1.3.2 Nationale Bank van België (NBB).................................................................................................11
1.4 Controlerende diensten..................................................................................................................11
1.4.1 EFS en ECB...................................................................................................................................11
1.4.2 NBB..............................................................................................................................................11
1.4.3 Autoriteit voor financiële diensten en markten (FSMA)..............................................................12
1.4.4 Federale overheidsdienst financiën (FOD)...................................................................................12
1.4.5 Hoge Raad van Financiën (HRF)...................................................................................................12
1.4.6 federale overheidsdienst economie, KMO, middenstand en energie..........................................12
1.4.7 Cel voor financiële informatieverschaffing (CFI)..........................................................................12
1.4.8 Privacy commissie........................................................................................................................13
1.5 Centrales.........................................................................................................................................13
1.5.1 Centrale voor kredieten aan ondernemingen..............................................................................13
1.5.2 Centrale voor kredieten aan particulieren...................................................................................13
1.5.3 Centraal aanspreekpunt (CAP).....................................................................................................14
1.6 beroepsverenigingen en overlegorganen.......................................................................................14
1.6.1 Belgische federatie van het financiewezen..................................................................................14
1.6.2 Assuralia......................................................................................................................................14
1.6.3 Andere beroepsverenigingen......................................................................................................15
1.6.4 Overlegorganen...........................................................................................................................15
1.7 Ombudsdiensten............................................................................................................................15
1.7.1 Ombudsfin...................................................................................................................................15
1.7.2 Ombudsman van de verzekeringen.............................................................................................15
1.8 Garantiefonds voor Financiële diensten.........................................................................................15
1.8.1 Omschrijving................................................................................................................................15
1.8.2 Beschermingsregeling..................................................................................................................15
1.8.3 Samenwerking met andere Belgische en Europese fondsen.......................................................16
1.9 Bemiddelaars of tussenpersonen...................................................................................................16
1.9.1 Bemiddelaars in de bank- en beleggingsdiensten........................................................................16
1.9.2 (neven)verzekeringstussenpersonen...........................................................................................17
1.9.3 kredietgever en kredietbemiddelaars..........................................................................................17
2 Hoofdstuk 2: KI en indermediatie.................................................................................................18
2.1 Financiële intermediatie.................................................................................................................18
2.1.1 Omschrijving................................................................................................................................18
2.1.2 Schematische voorstelling...........................................................................................................19
2.1.3 Toegevoegde waarde..................................................................................................................19
2.1.4 Transformatie of omzetting.........................................................................................................19
Pagina 1 van 79
, Bank en Verzekering
2.1.5 Risico’s.........................................................................................................................................20
2.2 resultatenrekening van een bank...................................................................................................20
2.3 Balans van een bank.......................................................................................................................21
2.3.1 Schematische voorstelling...........................................................................................................21
2.4 Tendensen in de financiële sector..................................................................................................21
2.4.1 Krediet- en bankencrisis..............................................................................................................21
2.4.2 kostenefficiëntie..........................................................................................................................21
2.4.3 Digitalisering................................................................................................................................21
2.4.4 Maatschappelijk verantwoord ondernemen...............................................................................21
2.4.5 Blockchain en einde van de intermediairs...................................................................................21
2.4.6 Fintech.........................................................................................................................................22
3 Hoofdstuk 3: KI en betalingen.......................................................................................................23
3.1 Evolutie betaalmiddelen.................................................................................................................23
3.2 Chartaal geld...................................................................................................................................23
3.2.1 Omschrijving................................................................................................................................23
3.2.2 Voordelen....................................................................................................................................23
3.2.3 Nadelen.......................................................................................................................................23
3.2.4 Cashverbod..................................................................................................................................23
3.3 Giraal geld.......................................................................................................................................24
3.4 Single Euro Payments Area.............................................................................................................24
3.4.1 Omschrijving................................................................................................................................24
3.4.2 IBAN.............................................................................................................................................24
3.4.3 BIC...............................................................................................................................................24
3.4.4 SEPA credit transfer (SCT)............................................................................................................24
3.4.5 SEPA direct debet (SDD)..............................................................................................................24
3.4.6 betaalkaarten..............................................................................................................................25
3.5 Payment services directive (PSD)....................................................................................................25
3.5.1 PSD 1............................................................................................................................................25
3.5.2 PSD 2............................................................................................................................................25
3.6 Zichtrekening..................................................................................................................................25
3.6.1 Omschrijving................................................................................................................................25
3.6.2 Werking.......................................................................................................................................25
3.6.3 Valutering....................................................................................................................................26
3.6.4 Rekeningafschriften/ rekeninguitreksels.....................................................................................26
3.6.5 Kosten..........................................................................................................................................26
3.6.6 Extra diensten..............................................................................................................................27
3.7 Overschrijving.................................................................................................................................28
3.7.1 Omschrijving................................................................................................................................28
3.7.2 Europese overschrijving...............................................................................................................28
3.7.3 Transfers voor terugkerende betalingen.....................................................................................28
3.8 Debetkaart/ betaalkaart.................................................................................................................29
3.8.1 Omschrijving................................................................................................................................29
3.8.2 Verlies of diefstal.........................................................................................................................29
3.8.3 Functies.......................................................................................................................................29
3.8.4 Kostprijs.......................................................................................................................................30
Pagina 2 van 79
, Bank en Verzekering
3.9 Kredietkaart....................................................................................................................................30
3.9.1 Omschrijving................................................................................................................................30
3.9.2 Kredietkaartkrediet.....................................................................................................................30
3.9.3 Aanbod........................................................................................................................................30
3.9.4 Kostprijs.......................................................................................................................................30
3.9.5 Betalingen en geldafhalingen......................................................................................................31
3.10 Prepaidkaart.................................................................................................................................31
3.11 Betalingen met Payconiq by Bancontact-app...............................................................................31
3.12 Digitaal geld: bitcoin.....................................................................................................................31
4 Hoofdstuk 4: KI en diensten..........................................................................................................32
4.1 Algemeen........................................................................................................................................32
4.1.1 Balans en buitenbalansactiviteiten..............................................................................................32
4.1.2 Belang van niet-rente-inkomsten................................................................................................32
4.1.3 Overzicht van de andere verrichtingen........................................................................................32
4.2 Bankverzekering.............................................................................................................................32
4.3 Wisselverrichtingen........................................................................................................................33
4.3.1 Vreemde valuta en wisselkoers...................................................................................................33
4.3.2 Wisseltransactie..........................................................................................................................33
4.3.3 Wisselkosten................................................................................................................................33
4.3.4 Wisselrisico..................................................................................................................................33
4.4 Verhuur van bankkluizen/ safes.....................................................................................................33
4.4.1 Omschrijving................................................................................................................................33
4.4.2 Toegang.......................................................................................................................................33
4.4.3 Overlijden van de huurder...........................................................................................................34
4.5 Slapende rekening..........................................................................................................................34
4.6 Nalatenschapsdossier.....................................................................................................................34
4.6.1 Overlijden van de bankklant........................................................................................................34
4.6.2 Akte van erfopvolging..................................................................................................................34
4.6.3 Kostprijs.......................................................................................................................................34
4.7 Effectenrekening.............................................................................................................................34
4.7.1 Omschrijving................................................................................................................................34
4.7.2 Kosten..........................................................................................................................................35
4.7.3 Effectentaks.................................................................................................................................35
4.7.4 Faillissement KI............................................................................................................................35
4.7.5 Dematerialisatie..........................................................................................................................35
4.8 Private banking...............................................................................................................................35
4.8.1 Omschrijving................................................................................................................................35
5 Hoofdstuk 6: start to invest..........................................................................................................36
5.1 Liquide buffer: een must.................................................................................................................36
5.2 Fiscaal sparen.................................................................................................................................36
5.3 Bepalen belegginsprofiel................................................................................................................36
5.3.1 Algemeen.....................................................................................................................................36
5.3.2 MiFID-richtlijnen (Markets in Financial Instruments Directive)...................................................36
5.3.3 AssurrMiFID.................................................................................................................................37
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