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Samenvatting bank en verzekeringen
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Deze samenvatting is ideaal om je voor te bereiden op het examen Bank en verzekeringen. In deze samenvatting krijg je: - inhoudstafel - Notities - voorbeelden
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Samenvatting bank & verzekeringen H1-13Inhoudstafel
Inhoud
H1 het Belgisch financiewezen.................................................................................................17
1.Finaniciële sector in brede zin...............................................................................................17
1.1 kredietinstellingen (KI)....................................................................................................17
1.1.1 omschrijving.............................................................................................................17
1.1.2 Functies....................................................................................................................17
1.1.3 Register van de nationale bank van België..............................................................18
2. Betalingsinstellingen en instellingen voor elektronisch geld (EGI).......................................19
3. monetaire overheid..............................................................................................................20
3.1 ECB, ESCB en het eurosysteem.......................................................................................20
3.2 nationale bank van België...............................................................................................21
3.2.1 algemeen..................................................................................................................21
3.2.2 taken........................................................................................................................21
4. controlerende instellingen (8)..............................................................................................22
4.1 gemeenschappelijk toezichtmechanisme (GTM)............................................................22
4.2 nationale bank van België (NBB).....................................................................................23
4.3 autoriteit voor financiële dienstene en markten (FSMA)...............................................23
4.4 FOD financiën..................................................................................................................23
4.5 hoge raad van Financiën (HRF).......................................................................................24
4.6 FOD economie, KMO, middenstand en economie.........................................................24
4.7 cel voor informatieverschaffing (CFI)..............................................................................24
4.7.1 omschrijving.............................................................................................................24
4.7.2 antiwitwaswetgeving...............................................................................................24
4.7.3 anti-money laundering.............................................................................................25
4.7.4 cel ‘compliance’........................................................................................................25
4.8 gegevensbeschermingsautoriteit (GBA).........................................................................25
5.Centrales................................................................................................................................26
5.1 centrale voor kredieten aan particulieren......................................................................26
5.2 centrale voor kredieten aan particulieren......................................................................26
5.2.1 omschrijving.............................................................................................................26
5.2.2 toegang databank....................................................................................................26
5.2.3 verplichtingen kredietgevers...................................................................................26
5.2.3 bewaringstermijn.....................................................................................................27
1
, 5.3 centraal aansprekingspunt (CAP)....................................................................................27
5.3.1 omschrijving.............................................................................................................27
5.3.2 raadpleging...............................................................................................................27
6.beroepsverenigingen en overlegorganen..............................................................................27
6.1 belgische federatie van het financiewezen (FEBELFIN)..................................................27
6.1.1 voorstelling...............................................................................................................27
6.1.2 goede bankrelatie....................................................................................................28
6.2 assuralia..........................................................................................................................28
6.3 andere beroepsverenigingen/overlegorganen...............................................................28
7. ombudsdiensten...................................................................................................................28
7.1 ombudsfin.......................................................................................................................28
7.2 ombudsman van de verzekering.....................................................................................29
8. garantiefonds en beschermingsfonds...................................................................................29
8.1 omschrijving....................................................................................................................29
8.2 bescherming van het garantiefonds...............................................................................29
8.2.1 bescherming van deposito’s....................................................................................29
8.2.2 bescherming van beleggingstegoeden....................................................................30
8.2.3 bescherming van levensverzekeringen....................................................................30
8.3 bescherming van het beschermingsfonds......................................................................30
9. bemiddelaars of tussenpersonen.........................................................................................30
9.1 bemiddelaars in de banken en beleggingsdiensten.......................................................30
9.1.1 omschrijving.............................................................................................................30
9.1.2 wetgeving.................................................................................................................30
9.2 (neven) verzekeringstussenpersonen.............................................................................31
9.2.1 omschrijving.............................................................................................................31
9.2.2 wetgeving.................................................................................................................31
9.3 kredietgever en kredietbemiddelaars.............................................................................32
10. andere instellingen..............................................................................................................32
1.Financiële intermediatie........................................................................................................33
1.1 omschrijving....................................................................................................................33
1.2 schematische voorstelling...............................................................................................33
1.3 toegevoegde waarde/waarom zijn er banken?..............................................................34
1.4 transformatie of omzetting.............................................................................................35
1.5 risico’s..............................................................................................................................35
2. resultatenrekening van een bank.........................................................................................36
2
, 2.1 schematische voorstelling...............................................................................................36
2.2 resultaten van de banken voor de periode 1993-2019..................................................36
3.Balans van een bank..............................................................................................................37
3.1 schematische voorstelling...............................................................................................37
3.2 passiva.............................................................................................................................37
3.2.1 eigen vermogen.......................................................................................................37
3.3.2 vreemd vermogen....................................................................................................38
3.2.3 andere kredietbronnen............................................................................................38
3.3 activa...............................................................................................................................39
3.3.1 vaste activa...............................................................................................................39
3.3.2 effectenportefeuille.................................................................................................39
3.3.3 andere aanwendingen.............................................................................................40
3.3.4 andere aanwendingen.............................................................................................40
4.intermediatie onder druk.......................................................................................................40
4.1 branchevervaging en despecialisatie..............................................................................40
4.1.1 omschrijving.............................................................................................................40
4.1.2 branchevervaging tussen KI onderling.....................................................................41
4.1.3 branchevervaging tussen bank- en verzekeringssector...........................................41
4.1.4 branchevervaging tussen banken en de beursvennootschappen...........................42
4.4 digitalisering....................................................................................................................42
4.5 sluiting bankkantoren.....................................................................................................43
4.6 maatschappelijk verantwoord ondernemen (MVO).......................................................43
4.7 blockchain (einde intermediairs)....................................................................................43
4.7.1 uitgangspunt............................................................................................................43
4.7.2 omschrijving.............................................................................................................43
4.8 fintech.............................................................................................................................43
1.evolutie betaalmiddelen........................................................................................................44
2.chartaal geld...........................................................................................................................44
2.1 omschrijving....................................................................................................................44
2.2 voordelen........................................................................................................................44
2.3 nadelen............................................................................................................................44
2.4 cashverbod......................................................................................................................45
3.giraal geld...............................................................................................................................45
4.single euro payments area (SEPA).........................................................................................45
4.1 omschrijving....................................................................................................................45
3
, 4.2 IBAN.................................................................................................................................46
4.3 BIC...................................................................................................................................46
4.4 SEPA credit transfer (SCT)...............................................................................................46
4.5 SEPA direct debet (SDD)..................................................................................................46
4.6 betaalkaarten..................................................................................................................47
5. payment services directive (PSD)..........................................................................................47
5.1 PSD I................................................................................................................................47
5.2 PSD II...............................................................................................................................48
6. zichtrekening.........................................................................................................................48
6.1 omschrijving....................................................................................................................48
6.2 werking............................................................................................................................49
6.2.1 crediteringen............................................................................................................49
6.2.2 debiteringen.............................................................................................................49
6.3 valutering........................................................................................................................49
6.3.1 verrichtingsdatum versus valutadatum...................................................................49
6.3.2 richtlijnen valutadatum............................................................................................50
6.4 rekeningafschriften.........................................................................................................50
6.5 kosten..............................................................................................................................50
6.5.1 algemeen..................................................................................................................50
6.5.2 onderdelen...............................................................................................................50
6.5.3 kostenbesparende tools...........................................................................................51
6.5.4 transparantie banktarieven.....................................................................................51
6.6 extra diensten.................................................................................................................52
6.6.1 kasfaciliteit...............................................................................................................52
6.6.2 rekeningverzekering.................................................................................................52
6.6.3 bankswitching..........................................................................................................52
7.overschrijving.........................................................................................................................53
7.1omschrijving.....................................................................................................................53
7.2 europese overschrijving (SCT).........................................................................................53
7.3 transfers voor terugkerende betalingen.........................................................................53
7.3.1 doorlopende contracten..........................................................................................53
7.3.2 SEPA direct debet (SDD) (CORE)..............................................................................54
8. cheque...................................................................................................................................54
9. de debetkaart........................................................................................................................55
9.1 omschrijving....................................................................................................................55
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