? 1.????(cash management)

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? 1.??????
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? 2.????(nominal interest rate)
????(Irvine Fisher)??,????????????
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6
? 3.????(real interest rate)
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? 4.?????
????????????????????????????(monetary
policy)??????????????????????????????,????????????
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? 5.?????(required rate of return)
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? 6.?????
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1.???
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2.??
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curve)??????????????
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(No Transcript)
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3.?????
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4.??????
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? ?? 1
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(10,000-10,700) / 10,000
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?1,000(33,000-30,000) ?/
30,000
13.33
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???300,000????,4???450,000
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3.????????????????
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http//law.moj.gov.tw

17
??????
1.???????(George) ??????????????????
?????????????

? ?? (1).?? (2).??
(3).?????? (4).?????
18
? ??????????
(1).????(commercial bank) (2).???????(savings
and loan association) (3).??????(mutual savings
bank) (4).?????(credit union)

19
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(?).?????
?????????????,????????,??????????(?????)


(?).?????
????????,???????? 1.???? 2.???? 3.??????? ???????
???????????????????(?????)
20
1.????(commercial bank)
(1).??????
???????????,???????????,????????????,?????????????
??????????(George)


??????????,??????,??????????????????,?????????????
??????(?????)
21
(2).??????
???????????,??????????(?????)
1.??????? 2.??????? 3.??????? 4.??????? 5.????????
????? 6.??????? 7.????????????????
????????? 8.????????


22
9.?????????? 10.????????? 11.????????? 12.????????
?? 13.??????? 14.?????????????????
?? 15????????????????? ???????? 16.???????????
??????


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1.?????????? 2.????????
3.???????????????? 4.??????????????????
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28
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? ?????(A/P)????????????
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?????(A/P),?????????,???????????,?????????????????
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????????????,????????A/P???????? L/C??
32
2.????
????????????????,??????
(1).?????
(2).?????

(3).??????
(4).???????
(5).??????
(6).??????
33
(1).????(Industrial bank)
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1.????
2.????????
3.??????
34
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(8).????????? (9).??????? (10).??????? (11).??????
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(3).?????????????????,? ??????????????????
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(5).????????????????????,??????,?????????????????
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(6).????(????????????) ? ???????? ???????????????
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(8).?????? ??????????????????????,????????,??????
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2.?????
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(2).?????(??????????????)
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(3).???????
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60
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2.????(???????????????)
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3.??????????(??????????? ??????)
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63
(5).????????????????????
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64
(10).???????????????????
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67
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1.????
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68
2.????
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69
(1).????????????????
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(2).???????
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(3).???????
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(4).?????????
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(5).????????
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? ??????????????????? ???????,???????????
75
(6).???????
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0901000116??)
? ??????????????????? ?????????,????????,
????????????(90.10.26.????
????0901000118??)
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76
? ??????????????????? ???????????????????
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77
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withdrawal-NOW-account),????
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78
? ???????
(1).?????(automated teller machines,ATM)
?????????,????24??
????????????????, ?????,ATM????????
??????
(2).???(debit card)
???????????,?????? ??????????,???????
???????????,?????? ???????
79
(3).??????(electronic fund transfer,EFT)
????????(??)???????,
?????????????????
80
? ?????????
(1).??(overdraft) ??????????(??)?????
??, ????????????? ????
(2).????(overdraft protection)
????????????,????? ?,????????????????
,????????????
81
? ?????????
(1).????
(2).???
(3).??
(4).???
(5).??
(6).???
82
2.???????
(1).???? (savings account)
(2).??? (certificate of deposit, CD)
(3).?????? (money market mutual
fund, MMMF)
(4).???????? (money market
deposit account, MMMA)
(5).??? (treasure bills, T-bills)
(6).???? (saving bonds)
83
(1).????(savings account) ??????????????,?
???????,???????? ??????????

(2).???(certificate of deposit, CD)
??????????,?????? ?????,???????????
?,??????????????? ???????????????
CD?????????,???CD? ??????CD?????
84
(3).?????? (money market mutual fund,
MMMF) ??????????????????
????????,????????, ??????????????????
?????????
? ?????????????,?? ?? ?????,?MMMF????????
?,????????????,??? ???????
85
? MMMF????????,????
?,?????,????????, ??????????
86
(4).???????? (money market deposit
account, MMMA)
? ?MMMF??,??????????? ?,???????????MMMD??
??????,??????????? ?????,????????????
????
? MMMD ????????????? ?,???????????,????
?????????,???????? ????
87
(5).???(treasure bills, T-bills)
? ????????????,????? ??????,???????????
??????????????,??? ???????
? T-bills ????????,??????
?????????,???????? ??,???????????????
???????????????
88
? ?? ? 92.50 ?????????????,
???????? 10,000,???T-bills ????????
???? 10,00092.5 9,250
??? ???? / ?????
(10,000-9,250) / 9,250
750 / 9,250
8.1.8
89
(5).???(saving bonds)
? ????????????,????? ??????,???????????
??????????,??????? ???
? T-bills ????????,??????
?????????,???????? ??,???????????????
???????????????
90
End?
Q and A
91
(2).???????(savings and loan association)
????????,???????? ????????????(George)


(3).??????(mutual savings bank)
?????????????,????? ??????????,????????
????,?????????????? ???????????????????
??????????????????? ??(George)
92
(4).?????(credit union)
??????????,???????? ??????,???????????,
??????????????????? ???????????,???????
?????(George)


93
2.????(checking account)
? ???????????????? ???????????(??)??,
???????????(George)

? ??(check)??????,???? ?????,??????????
????????,??????? ???????????(George)