samenvatting van de volledige cursus van bank en verzekering. Elke les geweest, dus er zijn ook lesnotities verwerkt in de samenvatting.
Geslaagd voor het examen met enkel deze samenvatting te leren.
Inhoud
1 BELGISCHE FINANCIEWEZEN...............................................................................................................4
1.1. Financiële sector in brede zin......................................................................................................4
1.2. Betalingsinstellingen en EGI.........................................................................................................4
1.3. Monetaire overheid.....................................................................................................................4
1.4. controleorganen..........................................................................................................................5
1.5. Centrales......................................................................................................................................6
1.6. Beroepsverenigingen...................................................................................................................6
1.7. Ombudsdiensten.........................................................................................................................7
1.8. Garantiefonds..............................................................................................................................7
1.9. bemiddelaars en tussenpersonen................................................................................................7
2 KI EN INTERMEDIATIE..........................................................................................................................8
2.1 financiële intermediatie................................................................................................................8
2.2 resultatenrekening van een bank.................................................................................................8
2.3 balans van een bank.....................................................................................................................9
2.4 tendensen in de financiële sector.................................................................................................9
3 KI EN BETALINGEN.............................................................................................................................10
3.1 evolutie betaalmiddelen.............................................................................................................10
3.2 chartaal geld...............................................................................................................................10
3.3 giraal geld...................................................................................................................................10
3.4 SEPA............................................................................................................................................10
3.5 PSD.............................................................................................................................................10
3.6 zichtrekening..............................................................................................................................11
3.7 overschrijving..............................................................................................................................11
3.8 cheque........................................................................................................................................11
3.9 debet kaart.................................................................................................................................11
3.10 kredietkaart..............................................................................................................................11
3.11 prepaidkaart.............................................................................................................................11
3.12 betaling met bancontact by payconiqapp.................................................................................11
3.13 digitaal geld: bitcoin.................................................................................................................11
3.14 elektronisch bankieren.............................................................................................................11
4 KI EN DIENSTEN.................................................................................................................................12
4.1 Algemeen....................................................................................................................................12
4.2 bankverzekering.........................................................................................................................12
4.3 wisselverrichtingen.....................................................................................................................12
, 4.4 verhuur van bankkluizen.............................................................................................................12
4.5 slapende rekening......................................................................................................................12
4.6 Nalatenschapsdossier.................................................................................................................12
4.7 diensten op de kapitaalmarkt.....................................................................................................12
4.8 effectenrekening.........................................................................................................................12
4.9 private banking...........................................................................................................................13
4.10 adviesverlening aan ondernemingen........................................................................................13
4.11 aanbieden crowdfunding-platformen.......................................................................................13
4.12 bemiddeling bij leasingcontracten............................................................................................13
4.13 bemiddelen bij factoring...........................................................................................................13
4.14 logistieke steun internationale handel.....................................................................................13
1 START TO INVEST...............................................................................................................................14
1.1 Financiële basiskennis.................................................................................................................14
1.2 Liquide buffer.............................................................................................................................14
1.3 Fiscaal sparen.............................................................................................................................14
1.4 Bepaal beleggingsprofiel.............................................................................................................14
1.5 Bekijk de productfiches en vergelijk...........................................................................................14
2 Risicoloze spaarproducten.................................................................................................................16
2.1 Spaarrekening.............................................................................................................................16
2.2 Termijndeposito.........................................................................................................................17
2.3 Kasbon........................................................................................................................................17
3 AANDELEN.........................................................................................................................................18
3.1 Omschrijving...............................................................................................................................18
3.2 Soorten.......................................................................................................................................18
3.3 Indeling op basis van koersevolutie............................................................................................18
3.4 Aandelenmarkten.......................................................................................................................18
3.5 Beursorder..................................................................................................................................18
3.6 Beurskosten................................................................................................................................18
3.7 Rendement.................................................................................................................................19
3.8 Verrichtingen op aandelen.........................................................................................................19
3.9 Aandelen selecteren...................................................................................................................19
3.10 Tips voor beginnende aandeelbeleggers..................................................................................19
3.11 Beursindexen............................................................................................................................19
4 Obligaties...........................................................................................................................................20
4.1 Omschrijving...............................................................................................................................20
4.2 Obligatiemarkten........................................................................................................................20
, 4.3 Risico’s........................................................................................................................................20
4.4 Opbrengst...................................................................................................................................20
4.5 Rendement.................................................................................................................................20
4.6 Pro en contra..............................................................................................................................20
4.7 Beleggersprofiel..........................................................................................................................21
4.8 Soorten.......................................................................................................................................21
4.9 Staatsobligaties...........................................................................................................................21
4.10 Obligaties versus aandelen.......................................................................................................21
1 KI EN KREDIETEN................................................................................................................................22
1.1 Bankkredieten............................................................................................................................22
1.2 Particuliere kredieten: distributie...............................................................................................22
1.3 Wetgeving...................................................................................................................................22
1.4 Solvabiliteitsonderzoek...............................................................................................................22
1.5 Kredietcontract...........................................................................................................................22
1.6 Het consumentenkrediet............................................................................................................22
1.7 Het hypothecaire krediet............................................................................................................23
2 VERZEKEREN: ALGEMEEN..................................................................................................................24
2.1 Indeling van het verzekeringsbedrijf...........................................................................................24
2.2 Wet verzekeringen......................................................................................................................24
2.3 Verzekeringsdistributie...............................................................................................................24
2.4 Enkele interessante organisaties................................................................................................25
2.5 Diverse begrippen.......................................................................................................................25
2.6 Faillissement verzekeringsmaatschappij.....................................................................................25
3 OVERZICHT VERZEKERINGSPRODUCTEN...........................................................................................26
3.1 Indeling van de verzekeringen....................................................................................................26
3.2 Schadeverzekeringen: Aansprakelijkheidsverzekeringen...........................................................26
3.3 Schadeverzekeringen: Zaakverzekeringsovereenkomsten.........................................................26
3.4 Schadeverzekeringen: Rechtsbijstandsverzekeringen................................................................27
3.5 Personenverzekeringen: Levensverzekeringen...........................................................................27
3.6 Personenverzekeringen: Andere dan levensverzekeringen........................................................27
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