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Bank en verzekeringen Samenvatting UITGEWERKTE OEFENINGEN (1e jaar bedrijfsmanagement)
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Volledige samenvatting van het volledige boek pwp slides les notities
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Bank en verzekeringen lesnotities
Inhoudsopgave
1. Financiële sector in brede zin................................................................................................................... 13
1.1. Kredietinstellingen.......................................................................................................................................13
1.1.1. Omschrijving........................................................................................................................................13
1.1.2. Functies................................................................................................................................................13
1.1.3. Register vd nationale bank van België.................................................................................................13
1.1.4. KI in cijfers............................................................................................................................................14
1.2. Participatiemaatschappijen.........................................................................................................................15
1.2.1. Investeringsbanken/fondsen...............................................................................................................15
1.2.2. Holdingsmaatschappijen of houdstermaatschappijen........................................................................15
1.3. Beleggingsondernemingen..........................................................................................................................16
1.4. Institutionele beleggers...............................................................................................................................16
1.4.1. Verzekeringsmaatschappijen...............................................................................................................16
1.4.2. Het pensioenwezen.............................................................................................................................17
1.4.3. ICB........................................................................................................................................................17
2. Betalingsinstellingen en EGI..................................................................................................................... 17
3. Monetaire overheid................................................................................................................................. 18
3.1. ECB, ESCB en het eurosysteem....................................................................................................................18
3.2. Nationale Belgische Bank van België...........................................................................................................19
4. Controleorganen (3 belangrijkse controle organen)..................................................................................19
4.1. ESFS..............................................................................................................................................................20
4.2. NBB..............................................................................................................................................................20
4.3. FSMA............................................................................................................................................................20
4.4. FOD Financiën..............................................................................................................................................20
4.5. Hoge Raad van Financiën = HRF..................................................................................................................20
4.6. FOD economie, KMO, Middenstand en energie..........................................................................................21
4.7. Cel voor Financiële informatieverschaffing = CFI.........................................................................................21
4.7.1. Omschrijving........................................................................................................................................21
4.7.2. Antiwitwaswetgeving..........................................................................................................................21
4.7.3. Verplichtingen......................................................................................................................................21
4.8. Cel ‘compliance’...........................................................................................................................................21
4.9. Privacycommissie.........................................................................................................................................22
5. Centrales.................................................................................................................................................. 22
5.1. Centrale voor kredieten en ondernemingen = CKO.....................................................................................22
5.2. Centrale vr kredieten particulieren = CKP....................................................................................................22
5.2.1. Omschrijving........................................................................................................................................22
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, 5.2.2. Toegang databank...............................................................................................................................22
5.2.3. Verplichtigen kredietgever..................................................................................................................23
5.3. CAP...............................................................................................................................................................23
5.3.1. Bevat gegeves:.....................................................................................................................................23
5.3.2. Raadplegen databank..........................................................................................................................23
6. Beroepsverenigingen................................................................................................................................ 23
6.1. Belgisch Federatie vr Financiënwezen (is de belangrijkske)........................................................................23
6.2. Assuralia......................................................................................................................................................24
6.3. Andere beroepsverenigingen en overlegorganen.......................................................................................24
7. Ombudsdiensten...................................................................................................................................... 24
7.1. Ombudsfin...................................................................................................................................................24
7.2. Ombudsmann vd verzekeringen..................................................................................................................24
8. Garantiefonds.......................................................................................................................................... 24
8.1. Omschrijving................................................................................................................................................24
8.2. Beschermingsregeling..................................................................................................................................25
9. Bemiddelaars en tussenpersonen............................................................................................................. 25
9.1. Bemiddelaars: bank en beleggingen...........................................................................................................26
9.2. (her)verzekeringstussenpersoon..................................................................................................................26
9.3. Omschrijving................................................................................................................................................26
9.4. Wetgeving....................................................................................................................................................26
9.5. Kredietgever en kredietbemiddelaar...........................................................................................................27
10. Andere instellingen................................................................................................................................ 27
1. Financiële intermediatie........................................................................................................................... 28
1.1. Omschrijving................................................................................................................................................28
1.2. Schematische voorstelling...........................................................................................................................29
1.3. Toegevoegde waarde..................................................................................................................................29
1.4. Transformatie of omzetting.........................................................................................................................32
1.5. Risico’s.........................................................................................................................................................32
2. Resultatenrekening bank.......................................................................................................................... 34
2.1. Schematische voorstelling...........................................................................................................................34
3. Balans bank.............................................................................................................................................. 36
4. Tendenzen............................................................................................................................................... 37
4.1. Branchevervaging........................................................................................................................................37
4.1.1. Omschrijving........................................................................................................................................37
4.1.2. Branchvervaging tussen KI onderling..................................................................................................37
4.1.3. Tussen KI en verzekeraars:..................................................................................................................38
4.1.4. Tussen KI en beursvennootschappen..................................................................................................39
4.2. Desintermediatie.........................................................................................................................................39
2
, 4.3. Effectisering = securisatie............................................................................................................................40
4.4. Productinnovaties........................................................................................................................................42
4.5. Internationalisatie.......................................................................................................................................42
4.6. Concentratie................................................................................................................................................42
4.7. Krediet- en bankencrisis...............................................................................................................................42
4.8. Kostenefficiëntie..........................................................................................................................................43
4.9. Digitalisering................................................................................................................................................43
4.10. MVO...........................................................................................................................................................44
4.11. Blockchain..................................................................................................................................................44
4.12. Fintech.......................................................................................................................................................44
1. Evolutie betaalmiddelen........................................................................................................................... 45
2. Chartaal geld............................................................................................................................................ 46
2.1. Omschrijving................................................................................................................................................46
2.2. Voordelen.....................................................................................................................................................46
2.3. Nadelen........................................................................................................................................................46
2.4. Cashverbod..................................................................................................................................................46
3. GIRAAL GELD............................................................................................................................................ 47
4. SEPA = Single Euro Payments Area........................................................................................................... 47
4.1. Omschrijving................................................................................................................................................47
4.2. SEPA: IBAN (B: 16 tekens)............................................................................................................................47
4.3. SEPA: BIC (B: 8 tekens).................................................................................................................................48
4.4. Sepa Credit Transfer = SCT...........................................................................................................................48
4.5. SEPA Direct Debet........................................................................................................................................48
4.6. Betaalkaarten..............................................................................................................................................48
5. PSD = Payments Services Directive........................................................................................................... 48
5.1. PSD I.............................................................................................................................................................49
5.2. PSD II............................................................................................................................................................49
6. Zichtrekening........................................................................................................................................... 50
6.1. Zichtrekening: omschrijving.........................................................................................................................50
6.2. Zichtrekening: werking................................................................................................................................50
6.3. ZICHTREK: valutering...................................................................................................................................50
6.3.1. Verrichtingsdatum VS valutadatum.....................................................................................................50
6.4. Rekeningsafschriften...................................................................................................................................52
6.5. Zichtrekening: kosten..................................................................................................................................52
6.6. Zichtrekening: extra diensten......................................................................................................................52
6.6.1. Zichtrekening: kasfaciliteit...................................................................................................................53
6.6.2. Zichtrekening: rekeningverzekering....................................................................................................53
6.6.3. Zichtrekening: bankswitching.............................................................................................................54
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, 7. Overschrijving.......................................................................................................................................... 54
7.1. Omschrijving................................................................................................................................................54
7.2. SCT: formulier..............................................................................................................................................55
7.3. Transfer voor terugkerende betalingen.......................................................................................................56
7.3.1. Doorlopende opdracht........................................................................................................................56
7.3.2. Sepa Direct Debet = SDD.....................................................................................................................56
8. Cheque.................................................................................................................................................... 57
9. Debetkaart............................................................................................................................................... 57
10. KREDIETKAART....................................................................................................................................... 58
10.1. /..................................................................................................................................................................58
10.2. /..................................................................................................................................................................58
10.3. Aanbod......................................................................................................................................................58
11. PREPAIDKAART...................................................................................................................................... 59
12. Payconiq by Bancontact app................................................................................................................... 59
13. Bitcoin................................................................................................................................................... 60
14. Elektronisch bankieren........................................................................................................................... 60
1. Algemeen................................................................................................................................................. 60
1.1. Balans- en buitenbalans activiteiten...........................................................................................................60
1.2. Belang vd niet-rente-inkomsten..................................................................................................................60
1.3. Overzicht van de andere verrichtingen........................................................................................................61
2. Bankverzekering...................................................................................................................................... 61
3. Wisselverrichtingen.................................................................................................................................. 61
3.1. Vreemde valuta en wisselkoers...................................................................................................................61
3.2. Wisseltransactie..........................................................................................................................................61
3.3. Wisselkosten................................................................................................................................................62
3.4. Wisselrisico..................................................................................................................................................62
4. Verhuur van banksafes............................................................................................................................. 62
4.1. Omschrijving................................................................................................................................................62
4.2. Toegang.......................................................................................................................................................62
4.3. Overlijden vd huurder..................................................................................................................................63
5. Nalatenschapsdossier............................................................................................................................... 63
5.1. Overlijden vd bankklant...............................................................................................................................63
5.2. Akte van erfopvolging..................................................................................................................................63
5.3. Kostprijs.......................................................................................................................................................63
6. Diensten op de kapitaalmarkt.................................................................................................................. 64
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