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Samenvatting Wegwijs in de financiële wereld - Financiële markten

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Financiële markten

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Universiteit Antwerpen (UA)

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Wegwijs in de financiële wereld

Deze samenvatting bevat elk thema met alle bijhorende begrippen beknopt uitgelegd. De samenvatting geeft een goed overzicht. Ik behaalde een 13/20 zonder herexamen.

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Summarized whole book? Yes
Uploaded on August 8, 2024
Number of pages 54
Written in 2023/2024
Type Summary

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Book Title:Wegwijs in de financiële wereld

Author(s):Marc de Ceuster

Edition:Unknown
ISBN:9789463371827
Edition:1

Institution
Universiteit Antwerpen (UA)
Education
Sociaal - economische wetenschappen
Course
Financiële markten

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Hoofdstuk 1: Financiële architectuur ontstaat niet spontaan.................................................................7
Schuld en ruil liggen aan de wieg van onze beschaving......................................................................7
Landbouw leidt tot eigendom, handel, vermogen, belasting, geld en lenen......................................7
Munten en een eerste vorm van financiële intermediair....................................................................7
Handel doet het eerste chartaal geld en overdraagbaar handelspapier ontstaan..............................7
Het ontstaan van financiële markten..................................................................................................8
Het ontstaan van een centrale bank...................................................................................................8
Hoofdstuk 2: bouwstenen van financiële markten.................................................................................9
Financiering........................................................................................................................................9
Directe financiering via financiële markten....................................................................................9
Tussenpersonen..............................................................................................................................9
Typologie van financiële markten...................................................................................................9
Functies van financiële markten...................................................................................................10
Marktefficiëntie............................................................................................................................10
Indirecte financiering....................................................................................................................11
Verschuiven van financiële risico's....................................................................................................11
De spelers van de financiële economie.................................................................................................11
De gezinnen......................................................................................................................................11
De bedrijven.....................................................................................................................................12
Financiële sector...............................................................................................................................12
Kredietinstellingen........................................................................................................................12
Beleggingsfondsen........................................................................................................................12
Verzekeringsmaatschappijen........................................................................................................12
De Overheid......................................................................................................................................13
De tabel van bronnen en aanwendingen (flow-of-funds account)....................................................13
Eerste Principes van Waardering..........................................................................................................13
Introductie........................................................................................................................................13
Oprentren.........................................................................................................................................13
Enkelvoudige rente.......................................................................................................................13
Verdisconteren.................................................................................................................................13
Populaire Kasstroomreeksen............................................................................................................14
De Enkelvoudige Lening................................................................................................................14
De Nulcouponobligatie.................................................................................................................14
De Annuiteitenlening....................................................................................................................14

1

, Rendement en intern rendement  hetzelfde....................................................................................14
De prijs-intern rendement relatie.....................................................................................................14
Sensitiviteit van Obligatieprijzen.......................................................................................................14
Duration............................................................................................................................................15
Hoofdstuk 5: Determinanten van rentevoeten.....................................................................................15
Introductie........................................................................................................................................15
Determinanten van het algemene (reële) renteniveau.....................................................................16
Het mechanisme van vraag en aanbod.........................................................................................16
Vraag- en aanbod-verschuivende factoren...................................................................................16
Toepassingen................................................................................................................................16
De rol van de verwachte inflatie.......................................................................................................17
De Fisherhypothese......................................................................................................................17
Invloed van verwachte inflatie op de evenwichtsrente.................................................................17
Ex-post gerealiseerde rente..........................................................................................................17
De rentestructuur van de nominale risicoloze rentevoeten..............................................................18
Concept van de rentestructuur.....................................................................................................18
Termijnpremie..............................................................................................................................18
Determinanten van het renteniveau voor individuele kredieten......................................................18
Kredietrisicopremie......................................................................................................................18
Hoofdstuk 6: Risico...............................................................................................................................18
Financiële Risico's.............................................................................................................................18
Kredietrisico..................................................................................................................................18
Marktrisico....................................................................................................................................18
Operationeel Risico.......................................................................................................................19
Liquiditeitsrisico............................................................................................................................19
Andere Risico's..............................................................................................................................19
Portefeuillerisico...............................................................................................................................19
Hoofdstuk 7: Betalen............................................................................................................................20
Intro..................................................................................................................................................20
Vormen van geld...............................................................................................................................20
Betalingsinstrumenten......................................................................................................................21
Hoofdstuk 8: Vermogensopbouw.........................................................................................................22
Intro..................................................................................................................................................22
Vermogensopbouw onder depositogarantie....................................................................................22
Depositobescherming...................................................................................................................22
Spaarrekeningen...........................................................................................................................22

2

, Gereglementeerde spaarrekening (gewoon spaarboekje)............................................................22
Niet-gereglementeerde spaarrekeningen.....................................................................................22
Termijnrekeningen........................................................................................................................22
Kasbons.........................................................................................................................................23
Tak 21-producten..........................................................................................................................23
Vermogensopbouw zonder depositogarantie...................................................................................23
Beleggingsprofiel..........................................................................................................................23
Beleggersrekening........................................................................................................................24
Beleggen via collectieve beleggingsproducten.................................................................................24
Instrumenten................................................................................................................................24
ICB’s voor de particuliere belegger...............................................................................................25
Transparantie................................................................................................................................25
Beleggen in andere producten..........................................................................................................26
Hoofdstuk 9: Kredieten aan Gezinnen..................................................................................................26
Kredietverschaffing...........................................................................................................................26
Consumentenkredieten....................................................................................................................27
Hypothecaire Kredieten....................................................................................................................27
Hoofdstuk 10: risicoafdekking...............................................................................................................28
Woning en Auto................................................................................................................................28
Burgerrechtelijke Aansprakelijkheid.................................................................................................28
Gezondheid.......................................................................................................................................28
Arbeidsongeschiktheid en Invaliditeit...............................................................................................28
Overlijden.........................................................................................................................................28
Pensioenrisico...................................................................................................................................29
Hoofdstuk 11: betalingen.....................................................................................................................29
Intro..................................................................................................................................................29
Betalingstrategieën...........................................................................................................................29
Open account...............................................................................................................................29
Documentair incasso....................................................................................................................29
Documentair krediet.....................................................................................................................30
Deviezen...........................................................................................................................................30
Hoofdstuk 12: Aandelen.......................................................................................................................30
Aandelen en hun Kenmerken...........................................................................................................30
Vermogensrechten...........................................................................................................................31
Lidmaatschapsrechten......................................................................................................................32
Waardering van een aandeel............................................................................................................32

3

, Aandelen van Publieke Vennootschappen........................................................................................33
Beursgang.....................................................................................................................................33
Secundaire Markt.........................................................................................................................33
Aandeelindexen................................................................................................................................34
Hoofdstuk 13: bedrijfskredieten...........................................................................................................34
Bedrijfskredieten op korte termijn....................................................................................................34
Het handelskrediet.......................................................................................................................34
Het kaskrediet...............................................................................................................................34
De straight loan.............................................................................................................................34
De intercompany loan...................................................................................................................35
Het borgstellingskrediet................................................................................................................36
De warrant-ceel............................................................................................................................36
Herfinanciering door het te gelde maken van vorderingen..............................................................36
Bedrijfskredieten op lange termijn...................................................................................................36
Investeringskredieten en uitrustingsfinanciering..........................................................................36
Financieringshuur.........................................................................................................................37
De win-winlening..........................................................................................................................37
Hoofdstuk 14: Obligaties.......................................................................................................................38
Introductie........................................................................................................................................38
Obligaties en hun kenmerken...........................................................................................................38
Begrip...........................................................................................................................................38
Kenmerken....................................................................................................................................38
De emittent...................................................................................................................................38
De vergoeding voor de kredietverschaffer....................................................................................39
De looptijd....................................................................................................................................39
De terugbetalingsprijs...................................................................................................................40
De uitgifteprijs..............................................................................................................................40
Bedrijfsobligaties en euro-obligaties.............................................................................................40
Kortetermijn bedrijfseffecten........................................................................................................40
Hoofdstuk 15: Risicoafdekking..............................................................................................................41
Introductie........................................................................................................................................41
Termijncontracten............................................................................................................................41
Definitie........................................................................................................................................41
Gebruik van termijncontracten.....................................................................................................41
De kasstroom van een termijncontract.........................................................................................41
Het payoff-profiel..........................................................................................................................41

4

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Samenvatting Wegwijs in de financiële wereld - Financiële markten

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