双学位课程
《货币与银行》课程安排
© 2006 Pearson Addison-Wesley. All rights reserved
课程的目的
金融与银行是一门非常令人振奋的课程，她与我们每个人的日常生活紧密相关。
比如，利率的变动将影响到我们银行存款的利息收入和我们的房贷的利息支出；中央银行的货币政策可能影响到我们的收入、就业机会和购买的产品的价格。
我们也将讨论一些有争议的问题，比如说扩张型的货币政策是否应该退出？人民币是否应该升值？资本项目是否应该开放？
这些问题我们经常在媒体听到、读到。在本课程中学到的知识将令我们长期得益。
© 2006 Pearson Addison-Wesley. All rights reserved
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© 2006 Pearson Addison-Wesley. All rights reserved
举例分析
下面的政策可能给个人带来什么样的影响？
《中国人民银行决定上调金融机构人民币存款准备金率个百分点》
中国人民银行决定，从2010年2月25日起，上调存款类金融机构人民币存款准备金率个百分点。为加大对“三农”和县域经济的支持力度，农村信用社等小型金融机构暂不上调。（完） （2010年2月12日18：00上网）
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© 2006 Pearson Addison-Wesley. All rights reserved
Chapter 1
Why Study Money, Banking, and Financial Markets?
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Why Study Financial Markets?
1. Channel funds from savers to investors, thereby promoting economic efficiency
2. Affect personal wealth and behavior of business firms
Why Study Banking and Financial Institutions?
1. Financial Intermediation
Helps get funds from savers to investors
2. Banks and Money Supply
Crucial role in creation of money
3. Financial Innovation
Why Study Money and Monetary Policy?
1. Influence on business cycles, inflation, and interest rates
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Bond Market
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Stock Market
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Foreign Exchange Market
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Money and Business Cycles
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Money and the Price Level
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Money Growth and Inflation
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Money Growth and Interest Rates
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Fiscal Policy and Monetary Policy
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How We Study Money and Banking
Basic Analytic Framework
1. Simplified approach to the demand for assets
2. Concept of equilibrium
3. Basic supply and demand approach to understand behavior in financial markets
4. Search for profits
5. Transactions cost and asymmetric information approach to financial structure
6. Aggregate supply and demand analysis
Features
1. Case studies
2. Applications
3. Special-interest boxes
4. Following the Financial News boxes
5. Reading the Wall Street Journal
6. Web Exercises and URLs
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Appendix: Definitions
Aggregate Output
Gross Domestic Product (GDP) = Value of all final goods and services produced in domestic economy during year
Aggregate Income
Total income of factors of production (land, capital, labor) during year
Distinction Between Nominal and Real
Nominal = values measured using current prices
Real = quantities, measured with constant prices
Aggregate Price Level
nominal GDP
GDP Deflator =
real GDP
$10 trillion
GDP Deflator = =
$9 trillion
Consumer Price Index (CPI) price of “basket” of goods and services
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Appendix: Definitions
Growth Rates and the Inflation Rate
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