MARIAN INTERNATIONAL INSTITUTE OF MANAGEMENT

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FINANCIAL SERVICES AND SYSTEM

By: GURUSWAMY S
Material type: TextTextPublisher: TMH ISBN: 978-0070153356Subject(s): Financial System—An Overview Financial System Features Constituents Financial Institutions Financial Services Financial Markets Financial Instruments Summary Key Terms and Concepts Review Questions Macroeconomic Aggregates Meaning The Aggregates Macroeconomic Aggregates in India Summary Key Terms and Concepts Review Questions Further Readings Indian Financial System Framework Department of Banking Supervision (DBS) Supervisory Role Department of Non-Banking Supervision Supervisory Process Board for Financial Supervision (BFS) Advisory Council to BFS Sub Committee (Audit) to BFS Supervisory Jurisdiction Other Measures Transparency and Disclosure Internal Controls and Housekeeping in Banks Effective Banking Supervision—Core Principles Summary Key Terms and Concepts Review Questions.Profile of Entrepreneur Definition and Characteristics of Entrepreneur The Changing Role of Entrepreneurs Entrepreneur — Individual or Group? Approaches to Entrepreneurship Entrepreneurship Qualities General Qualities Summary Key Terms and Concepts Review Questions Further Readings Global Financial System Genesis Essential Considerations Summary Key Terms and Concepts Review Questions Capital Structure Decisions Capital Structure Optimal Capital Structure Pattern of Capital Structure Taking Decisions on Capital Structure Factors Affecting Capital Structure Decisions Summary Key Terms and Concepts Review Questions Further Readings PART II - FINANCIAL SERVICES Financial Services—An Overview Genesis Financial Services — Concept Financial Services — Objectives/ Functions Financial Services—Characteristics Financial Services Market—Concept Financial Services Market—Constituents Growth of Financial Services in India Financial Services Sector—Problems Regulatory Framework The Regulatory Framework Summary Key Terms and Concepts Review Questions Further Readings . Book-Building Concept Characteristics The Process Allocation Procedure Case I—Initial Public Offer (IPO) Issue Case II— Additional Issue by Listed Company Case III—Offer by Unlisted Company Reverse Book-Building Summary Key Terms and Concepts Review Questions Further Reading Credit Cards Genesis Origin and History Features of Modern Credit Card Facilities and Services Classification of Credit Cards Innovative Cards Credit Card Cycle Bank Card Associations Credit Card Structure Validity and Renewal Credit Cards and E-commerce Credit Card Frauds Credit Information Bureau (CIB) Future Outlook Benefits of Credit Cards Drawbacks of Credit Cards The Indian Scenario Summary Key Terms and Concepts Review Questions Further Readings I. Debit Card Genesis Concept Mechanism Promotion and Progress Dangers of Debit Cards Liability for Fraud Consumer Protection Precautions The Indian Scenario Summary Key Terms and Concepts Review Questions Further Readings . Smart Cards Concept Features Evolution Types of Smart Cards Security Features Financial Applications Summary Key Terms and Concepts Review Questions Further Reading Credit Rating Genesis Impetus Origin Definition of Credit Rating Features Advantages The Credit Rating System—Growth Factors Major Issues Global Credit Rating Agencies Domestic Credit Rating Agencies Credit Rating —Regulatory Framework Credit Rating Symbols CRISIL Ratings for Short-Term Instruments Rating Framework—Major Factors Equity Grading Equity Grading Process by ICRA Summary Key Terms and Concepts Review Questions Further Readings Commercial Bill Financing Definition of Commercial Bills Features Types of Bills Commercial Bill Discounting Definition Features Advantages Precautions by Banker Steps in Discounting and Purchasing Bills Systems Summary Key Terms and Concepts Review Questions . Consumer Finance Definition Types Sources of Consumer Finance Mode of Consumer Finance Demand for Consumer Finance—Factors Consumer Finance—Practice in India Products Covered Terms of Finance Pricing of Consumer Finance Marketing Consumer Finance Consumer Finance Insurance Consumer Credit Scoring Case for Consumer Finance Case Against Consumer Finance Boom in Consumer Financing Hire Purchase System (HPS) Hire Purchase Agreement Advantages of Hire Purchase System Disadvantages of Hire Purchase System Hire Purchase Cost Instalment Credit System (ICS) Summary Key Terms and Concepts Review Questions Further Readings i. Hire Purchase Finance Definition Rights of Hirer Rate of Interest Lease Financing Vs. Hire Purchase Financing Accounting for Hire Purchase Methods of Interest Calculation Method of Reporting Lease Vs. Hire Purchase Evaluation Summary Key Terms and Concepts Review Questions Further Readings . Insurance Services Definition Basic Principles of Insurance Reinsurance Life Insurance General Insurance Types Fire Insurance Marine Insurance . Other Insurances Liability Insurance Concept of Insurance Services Profile of Insurance Service Providers General Insurers Life Insurers Life Insurance Corporation of India (LIC) Keyman Insurance HDFC Standard Life Insurance Company Group Products Max New York Life Insurance Company ICICI Prudential Life Insurance Company TATA AIG SBI Life Insurance Company ING Vysya Life Insurance Allianz Bajaj Life Insurance Company Royal Sundaram Regulatory Framework The Insurance Act Insurance Regulatory and Development Authority (IRDA) Meeting of Authority Insurance Advisory Committee Power to Make Regulations Major Amendments to Insurance Act The First Schedule Insurance Agents, Intermediaries and Surveyors Summary Key Terms and Concepts Review Questions Further Readings Factoring and Forfaiting Genesis Definition Mechanism Characteristics Factoring and Off-balance Sheet Financing Types of Factoring Legal Aspects of Factoring Advantages of Factoring Disadvantages of Factoring Factoring—Players Functions of a Factor Factoring Cost Line of Credit—Methods Factoring Vs. Bills Discounting RBI Guidelines for Factoring Factoring— Indian Scenario Major Factoring Firms SBI Factors and Commercial Services Operational Profile of Indian Factoring Operational Problems in Indian Factoring Factoring—A Cost-benefit Analysis Methods of Evaluation Steps in Evaluation Alternative Steps Forfaiting Factoring Vs. Forfaiting Forfaiting—Indian Scenario Summary Key Terms and Concepts Review QuestiOns Further Readings Annexure B. Leasing—An Overview Definition Characteristics of Lease Types of Lease Financial Lease Vs. Operating Lease Test for Financial lease Myths About Leasing Participants The Leasing Process Services of Lessor Advantages of Leasing Limitations of Lease Financing Tax Aspects of Leasing Implications for Lessor—Depreciation Tax Shield Implications for Lessee Tax Planning Aspects Financial Implications Implications under Sales Tax Funding Aspects of Leasing Maximum Permissible Bank Finance Types of Finance Summary Key Terms and Concepts Review Questions Further Readings . Accounting and Reporting for Lease Lease Accounting and Reporting for Financial Lease—Books of the Lessor Accounting and Reporting for Financial Lease—Books of the Lessee Accounting and Reporting for Operating Lease—Books of the Lessor. Lease Evaluation Definition of Lease Loan Repayment Schedule Lease Evaluation— Advantage to Lessor Lease Evaluation— Advantage to Lessee Evaluating Independent Lease Option as Advantage to Lessee Summary Key Terms and Concepts Review Questions Practical Questions Further Readings 1. Merchant Banking Genesis Definition Functions Merchant Bankers' Code of Conduct Regulatory Framework Offer by Unlisted Companies —Guidelines Terms of Issue Summary Key Terms and Concepts Review Questions Further Readings :. Money Market Mutual Funds Genesis Features Summary Key Term and concepts Review Questions .Mutual Funds Genesis Definition Products/Schemes Mutual Funds in India Managing Mutual Funds in India SEBI's Requirements of AMC Functions of AMC Working Mechanism of AMC Portfolio Management Process in Mutual Funds Operational Efficiency of Mutual Funds Evaluating Mutual Funds Mutual Fund Holders' Account Causes for Poor Performance of Mutual Funds Unit Trust of India Regulatory Structure of Mutual Funds RBI Guidelines .UTI Guidelines SEBI (Mutual Funds) Regulations, 1996 SEBI Schedules Fifth Schedule—Code of Conduct Seventh Schedule— Restrictions on Investments Eighth Schedule—Investment Valuation Norms New Regulations, 1999 Association of Mutual Funds Industry (AMFI) Summary Key Terms and Concepts Review Questions Further Readings I. Public Issue Management Concept Functions Categories of Securities Issue Issue Manager Role of Issue Manager Activities Involved in Public Issue Management Marketing of Issue Public Issue Proposal—Factors Pricing of Issues Law Relating to Issue Management Summary Key Terms and Concepts Review Questions Further Readings i. Securitization Genesis Definition Illustration Meaning of Security Pass Through Certificates Features of Securitization Need for Securitization Special Purpose Vehicle (SPV) Asset Securitization— Mechanism Purposes Asset Characteristics Applications of Securitization Securitization— Benefits Economic Functions of Securitization Global Scenario Indian Scenario Limitations Securitization and Financial Disintermediation Change in the Function of Intermediation Capital Markets and Secularization.. Financial Services and System Securitization and Structured Finance Securitization as a Risk Management Tool Securitization and Credit Derivatives Summary Key Terms and Concepts Review Questions Further Readings Stock-Invest Genesis Meaning Features Modus Operandi Benefits Drawbacks Procedures for Payment Summary Key Terms and Concepts Review Questions Underwriting of Securities Definition Types Benefits/Functions Indian Scenario Underwriting Agencies Obstacles Underwriter Underwriting Agreement SEBI Guidelines Variants of Underwriting Summary Key Terms and Concepts Review Questions Further Readings Venture Capital—Conceptual Framework Genesis. Meaning Definition Rationale Features Methods of Evaluation Origin and Growth of -- Venture capital Financial Sources Investment Nurturing Styles of Venture Financing Nurturing Methods Compensation Forms of Organization Exit Mechanism Summany Key Terms and Concepts Review Questions Further. Readings I. Venture Capital Funds—Regulatory Framework Genesis SEBI—(Venture Capital Funds) Regulations, 1996 Regulations under Income Tax Act Summary Key Terms and Concepts Review Questions I. Venture Capital in India Genesis Critical Factors Objectives/Benefits of Venture Capital Funds Venture Capital Funds in India — A Profile VCF of IDBI, 1986 Organization Structure Registration of Venture Capital Fund (VCF) Application for Registration Grant of Certificate of Registration Summary Key Terms and Concepts Review Questions Further Readings Infrastructure Financing Genesis Definition Sectors Financing Options Financing Instruments Infrastructure Financing—Issues in India RBI Guidelines Recent Developments Summary Key Terms and Concepts Review Questions Further Readings
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RACK -REF 1 332.1 (Browse shelf) Not for loan 2801

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