Finance Degree Courses In China,Bachelor & Master Degree Finance

Finance
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Finance is defined as a field that deals with the study of investments. It includes the dynamics of assets and liabilities over time under conditions of different degrees of uncertainty and risk. Finance can also be defined as the science of money management. Finance aims to price assets based on their risk level and their expected rate of return. Finance can be broken into three different sub-categories: public finance, personal finance and corporate finance.As finance major, students go beyond making a budget; they learn how to analyze a budget to determine opportunities to save or identify the best investment option.


Finance involves the management, creation and study of money, banking, credit, investments, assets and liabilities. Students become familiar with financial systems, which include the public, private and government spaces. They also study financial instruments related to countless assets and liabilities.Specifically, Finance majors study cash flow, asset and risk management, capital markets, portfolio theory, international finance and forecasting and budgeting. Students become skilled at decision-making – one of the main differences between Finance and Accounting.


Students explore different career options in the Finance program based on their interest in decision-making – they can choose to pursue studies that support a managerial position as a Financial Analyst or they may be interested in a path that sends them to a career in Financial Consulting.

While getting a business degree in finance, students learn from faculty members with significant industry experience. Plus, students spend one semester honing skills in a professional environment such as a corporate finance group or a securities/investment-banking firm. At graduation, students are well prepared to succeed in the complex economic, financial and legal whirl of today's global economy. An entity whose income exceeds its expenditure can lend or invest the excess income to help that excess income produce more income in the future.


Though on the other hand, an entity whose income is less than its expenditure can raise capital by borrowing or selling equity claims, decreasing its expenses, or increasing its income. The lender can find a borrower—a financial intermediary such as a bank—or buy notes or bonds (corporate bonds, government bonds, or mutual bonds) in the bond market. The lender receives interest, the borrower pays a higher interest than the lender receives, and the financial intermediary achieves the difference for arranging the loan.A bank aggregates the activities of many borrowers and lenders. A bank accepts deposits from lenders, on which it pays interest. The bank then lends these deposits to borrowers. Banks allow borrowers and lenders, of different sizes, to coordinate their activity.

 

 


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