6.1在线视频

同学们
hello

大家好
everybody

今天我们来一起学习金融法
today we come to study Financial Law together

那么首先
so first of all

我们来学习金融和金融法的概念
let's learn the concepts of finance and Financial Law

金融法是关于金融的法律
the Financial Law is the law of finance

这是一个金融的时代
this is an era of finance

从每个人生活到职业选择
from everyone's life to career choices

从财富管理到教育养老
from wealth management to education and retirement

从企业经营到政府管理
from business operation to government management

金融已经贯穿于我们生活的全部
finance has run through all of our lives

金融知识的学习是刚需
the study of financial knowledge is a rigid demand

作为调整金融的法律制度
as a legal system for regulating finance

更是不可或缺
it is even more indispensable

金融法把金融关系中
financial law abstracts the

最重要的权益关系抽象出来
most important equity relationship in financial relations

让我们理解金融的本质
so that we can understand the essence of finance

并用金融法服务我们的生产和生活
and use financial law to serve our production and life

很多同学对金融法有一种畏难的心理
many students have a fear of financial law

认为金融法太专业
they think that financial law is too professional

不好懂
it's not easy to understand

门槛太高
its threshold is too high

那是有钱人玩的游戏
it's a game played by rich people

离我的生活太远
it's too far from my life

等等 这样的想法
etc. thoughts like these

首先就产生了排斥的心理
leads to psychological repellence

我想说
i want to say

这是错误的
this is wrong

只要你生活在现代的社会里
as long as you live in the modern society

你一定跟金钱打交道
you must deal with money

你也一定跟金融法发生联系
you must also be in contact with the financial law

作为现代有智识的青年
as a modern intellectual young man

当然要学金融法
of course, we have to study financial law

而且要学好
and to learn it well

今天我先给大家讲一下
today, i'd like to tell you the

理解金融法的基础知识
basics of understanding financial law

后面再讲一些具体的
then there are some specific theories and

金融法理论和知识
knowledge of financial law

这一讲
through this lecture

我们先了解金融和金融法是什么
let's first understand what finance and financial laws are

金融的概念
the concept of finance

金融是货币
finance is currency,

货币流通
currency circulation,

货币融通
currency financing,

金融风险分配
financial risk distribution,

金融调控和金融监管等一些列活动的总称
financial regulation and financial supervision, etc.

也可以理解为
it can also be understood as

它是货币流通和信用活动相关联的
it is the general term for a series of activities related to

一系列活动的总称
currency circulation and credit activities

所以呢
so

金融活动
financial activities are,

首先是货币与货币流通活动
first of all, currency and currency circulation activities

这是金融活动的基础
this is the basis of financial activity

货币流通包括了金属货币
the currency circulation includes metal currency

流通和信用货币流通
circulation and credit currency circulation

金属货币流通好理解
metal currency circulation is easy to understand,

就是金币啊
that is, the early currency circulation of gold coins,

银币啊
silver coins

铜币啊这些早期的货币流通
and copper coins,

信用流通呢
credit circulation is

主要就是我们现在使用的法定货币
mainly the legal currency we use now,

比如纸币
such as paper currency

未来
in the future

中国央行自己会发行数字货币
the people's bank of china will issue its own digital currency.

它的名字叫DCEP
its name is DCEP

也就是数字货币和电子支付工具
that is, digital currency and electronic payment instrument.

它也属于法币
it also belongs to legal currency,

跟现金一样
just like cash,

具有无限法偿性
with Unlimited Legal Tender.

金融活动当然少不了
of course, financial activities need

风险和风险的管理和分配
risk and risk management and distribution.

你们常听说这句话吧
you often hear this saying:

投资有风险
investment is risky,

入市需谨慎
be cautious when entering the market.

对的
right

金融一定是一个
finance must be an

风险和收益交织的活动
activity in which risks and benefits are intertwined

因为这是跟钱有关系的事儿啊
because it has something to do with money

涉及到钱的事都是需要谨慎处理的事
when it comes to money, things need to be handled with care

所以
so

我们要做好的
what we have to do well

就是让金融风险
is to let the financial risk

在不同的主体和不同行为之间
different subjects and different behaviors

合理分配
be reasonably distributed among

基本实现
and basically realize

风险和收益成正比
that risks are directly proportional to benefits

要想高收益
if you want to get a high return

就要承担高风险
you have to take a high risk

可是你常常听到
but you often hear about

有人遭遇投资失败或被骗
people who have failed to invest or been cheated

跳楼自杀的惨案
and committed suicide by jumping off a building

这是为啥
why does this happen

原因当然很多
there are, of course, many reasons

比如法律意识淡薄
for example, weak legal consciousness

过度追求收益等
excessive pursuit of benefits, etc

我们还要从另一个角度去理解
we have to understand from another point of view

那就是对金融风险理性认识不足
that is, the lack of rational understanding of financial risks

对金融的本质缺乏深刻的理解
lack of a deep understanding of the nature of finance

这是我们应当
this is what we should do

从自己的角度出发去解决的
from our own point of view

另外一方面
on the other hand

金融交易的信息不对称
information asymmetry in financial transactions

也极容易导致金融欺诈
can also easily lead to financial fraud

你想想看
think about it

我们作为一个普通的老百姓
we as a common people

很难了解银行
it is difficult for us to understand

保险公司和证券公司
what professional financial institutions such as banks,

这些专业的金融机构到底在干什么
insurance companies and securities companies are doing.

他们把我们存款和投资款拿去干什么了
what do they do with our deposits and investment funds?

这需要什么
what does this require

对
right

我们需要金融监管和金融调控
we need financial supervision and regulation

这是金融的重要内容
this is an important part of finance

也是我们金融法研究的重点
it is also the focus of our Financial Law research

现在你理解了金融的基本含义
now you understand the basic meaning of finance

那么我们作为一个普通的投资者
so we as a common investor

也就是金融消费者
that is, a financial consumer

你怎么去看金融活动
how do you see financial activities

我告诉你们金融的第一原理
i’ll tell you the first principle of finance

那就是时间就是金钱
that is, time is money

时间是有金钱价值的
time is worth money

举个例子
for example

十年前
ten years ago

如果你有十万元人民币
if you had 100,000 yuan

你把它存在银行
you deposited it in the bank

到今天
to this day

本金和利息合计大约十五万八千元
the sum of principal and interest is about 158,000 yuan

时间以利息的形式给了你回报
time gives you a return in the form of interest

将十万元变成了十五万八千元
it turned 100,000 yuan into 158,000 yuan

如果你把这十万元在沈阳买了房子
if you bought a house in Shenyang with the 100,000 yuan

当时的房价
house prices at that time

正好赶上金融危机后的低谷
were just in the aftermath of the financial crisis

很多房子价格翻了一倍
many houses have doubled in price

那么如果你买房子了
so if you bought a house

现在应该是价值二十万元左右
it should be worth about 200,000 yuan now

如果你用这些钱投资了北京的房子
if you invested the money in a house in Beijing

那恭喜你发财了
well, congratulations on your getting rich

北京价格更高
housing in Beijing is even more expensive

可能现在是三十万或者四十万元了
maybe it's 300,000 or 400,000yuan now

如果你买了中国石油的股票
if you bought shares in petrochina

现在是多少钱呢
how much is it now

大约剩下不到五万元了
there is less than 50,000 yuan left

十年 前和十年后的比较
a comparison between ten years ago and ten years later

因为你做了不同的金融决策
because you made different financial decisions

十万元产生了完全不一样的价值
100,000yuan would produce completely different values

为什么
why

因为我们在这个相同的时间里
because we did different processing of

对金钱做了不同的加工
money in the same time,

把时间的价值做到了不同的结果
and achieved different results in time value.

这个过程
this process

包含了金融风险的分配
includes the allocation of financial risks

金融工具的选择
and the selection of financial instruments.

无论如何
in any case,

我们都是在为时间定价
we are all pricing time,

时间转换成了金钱
and time is converted into money

岁月的流逝
the passage of time

将你对时间的定价变成你决策的现实
turns your pricing of time into the reality of your decision-making

时间和金融工具就像一个时光机
time and financial instruments are like a time machine

没有移动我们的身体
they have not moved our bodies,

但是改变了我们的金钱
but have changed our money.

这就是金融
this is finance

下面我们再看看金融法的概念
next, let's look at the concept of Financial Law

金融法与金融活动密不可分
Financial Law and financial activities are inseparable.

没有金融活动
without financial activities,

就不会产生金融关系
there will be no financial relationship.

没有金融关系
without financial relationship,

就没必要制定金融法
there is no need to formulate financial law.

没有金融法
without Financial Law,

当然也不会产生金融法律关系
of course, there will be no financial legal relationship.

金融法是什么样的法律呢
What kind of law is Financial Law

我们一定要给它下个概念的话
if we must give it a definition,

简单来说
simply speaking,

金融法是
financial Law is the general term of

调整金融关系的法律规范的总称
the legal norms regulating financial relations

它以维护整体金融利益为目标
it aims at maintaining the overall financial interests,

用金融规范来约束
uses financial norms to restrict

金融主体的金融行为
the financial behavior of financial subjects

保护各方主体的金融利益
and protect the financial interests of all parties.

从广义的概念来说
in a broad sense,

它是国家制定
it is a normative document formulated by the state

并以国家强制力保证实施的
and guaranteed to be implemented by the state

调整金融关系的规范性文件
to adjust financial relations.

它包括了金融法律
it includes Financial Law

金融性条例
financial ordinances,

规章
rules and regulations,

司法解释和国际条约等
judicial interpretation and international treaties, etc.

金融法作为经济法的组成部分
as an integral part of economic law,

它要以社会整体经济利益
it should take the overall economic interests of

为重要的价值目标之一
society as one of its important value objectives,

它要反映整体经济利益
overall economic interests on the law,

对法律的客观要求
and reflect the objective requirements of the

这是由金融活动在
which is determined by the position of

整个经济活动中的地位决定的
financial activities in the whole economic activities.

金融活动的状况直接决定着
the situation of financial activities directly determines the

整体经济运行和增长
overall economic operation and growth,

影响着社会公众居民生活水平能否得到改善
affects the improvement of the living standards of the public residents,

决定着社会主体的
and determines the wealth acquisition

财富取得和利益关系
and interest relationship of the social subjects.

因此
therefore

金融法必须要维护社会整体利益
financial Law must maintain the overall interests of the society

促进社会整体利益的提高
and promote the improvement of the overall interests of the society,

以此实现社会经济秩序
so as to achieve the value objectives of social economic order,

社会经济安全和经济效率的价值目标
social economic security and economic efficiency

金融法都包括哪些法律呢
what laws are included in the Financial Law

也就是说金融法的立法体系如何
that is to say, what is the legislative system of Financial Law

金融活动不同
different financial activities have

相应的金融法律也不同
different corresponding financial laws.

一般地
generally speaking,

金融法主要包括中央银行法
financial Law mainly includes Central Bank Law,

银行业法
banking Law,

证券法
securities Law,

信托法
trust Law,

保险法
insurance Law

投资基金法等法律规范
investment Fund Law and other legal norms

与之相配套的条例
complementary ordinances,

规章
rules and regulations

司法解释等包括在在内
judicial interpretation, etc. Are included

中央银行法主要是
the Central Bank Law is

规定中央银行的性质
a legal system that mainly stipulates the nature,

地位
status,

职责权限
responsibility and authority,

治理结构
governance structure,

货币属性
monetary attribute,

货币发行
currency issuance,

货币政策等等关系的法律制度
monetary policy and other relations of the Central Bank.

银行业法主要是规定商业银行
banking Law mainly stipulates the nature,

政策性银行等银行业机构的性质
operation purpose, governance and business norms of

经营宗旨
commercial banks, policy banks and other

治理和业务规范以及银行机构的设立
banking institutions, as well as the establishment,

变更
alternation,

解散
dissolution,

接管
takeover,

破产等制度
bankruptcy and other systems of banking institutions.

保险法是规定保险人的设立
the Insurance Law stipulates the establishment,

变更
alternation

终止
and termination of the insurer,

保险人的经营
the operation,

监督和管理
supervision and management of the insurer

以及保险合同等法律制度
and the insurance contract, etc.

证券法是
the Securities Law is

规定证券市场组织机构
a legal system that regulates the organization of the securities market,

证券种类
the types of securities,

证券发行的审核
the examination and verification of the issuance of securities,

证券交易规则和清算等的法律制度
the rules of securities trading and the liquidation of securities

总结一下
to sum up

今天我们学习了什么是金融
today we learned what finance is

什么金融法
what Financial Law is

知道了金融是风险的分配
we have learned that finance is the distribution of risk.

金融要以时间定价
finance should be priced by time

要以风险定价
and by risk.

我们还知道了金融法包括了银行法
we also know that Financial Law includes Bank Law,

证券法
securities Law

保险法
insurance Law

信托法等法律制度
trust Law and other legal systems

最后
in the end

我给大家留个思考题
I'll leave a question for you to think about

通过今天的学习
through today's study

你认为
what do you think is

金融法和其他部门法比较有什么特殊之处
special about Financial Law compared with other departmental laws

应该如何学习金融法呢
how should we learn Financial Law

同学们今天的课就到这里
that’s all for today's class

再见
see you