Name: COMPLEMENTS OF INVESTMENT AND FINANCING
Code: 510109002
Type: Elective
ECTS: 4.5
Length of subject: Per term
Semester and course: 4th Year - Second term
Speciality:
Language: English
Mode of study: On-site class
Lecturer data: LOZANO GUTIÉRREZ, MARÍA DEL CARMEN
Knowledge area: Economía Financiera y Contabilidad
Department: Economía, Contabilidad y Finanzas
Telephone: 968325611
Email: carmen.lozano@upct.es
Office hours and location:
jueves - 08:00 / 14:00
EDIFICIO CIM - FCCE, planta 1, Despacho 133
Se necesita solicitud del alumno para programar las tutorías en el correo carmen.lozano@uoct.es
Qualifications/Degrees:
PhD in Degree in Business and Economics from Technical University of Cartagena (SPAIN) - 2001
Academic rank in UPCT: Profesora Titular de Universidad
Number of five-year periods: 7
Number of six-year periods: 1 de investigación
Curriculum Vitae: Full Profile
Responsible for the groups: G1, G2
Lecturer data: SÁNCHEZ HERNÁNDEZ, MARÍA DEL MAR
Knowledge area: Economía Financiera y Contabilidad
Department: Economía, Contabilidad y Finanzas
Telephone: 868071217
Email: mariadelmar.sanchez@upct.es
Office hours and location:
Qualifications/Degrees:
PhD in PhD in Economics from Technical University of Cartagena (SPAIN) - 2013
Academic rank in UPCT: Profesora Asociada
Number of five-year periods: Not applicable due to the type of teaching figure
Number of six-year periods: No procede por el tipo de figura docente
Curriculum Vitae: Full Profile
[CB3 ]. Students are required to have the ability to gather and interpret relevant data (usually within their area of study) to make judgments that include a reflection on relevant issues of a social, scientific or ethical nature.
[CG5 ]. To learn about and manage financial-banking operations.
La competencia específica asociada a esta asignatura optativa es: "Describir, resolver y exponer casos y supuestos prácticos relacionados con las operaciones financieras y bancarias de contratación más frecuente".
[CT6 ]. Applying ethical and sustainability criteria in decision making
Desarrollar la operativa de los productos de inversión y financiación bancarios mas conocidos para el particular o la empresa
Analizar y utilizar convenientemente la información financiera para la toma de decisiones
Identificar malas prácticas bancarias
Formular y evaluar proyectos de inversión
Relacionar conocimientos entre esta materia y otras materias de la carrera
Discernir entre una práctica bancaria correcta frente a una actuación poco ética
Desarrollo de los conceptos básicos en el ámbito de las operaciones financieras de financiación (préstamos personales, hipotecarios). Análisis de los contratos de préstamos estableciendo comparativas que permitan llegar a una negociación con el banco, y promoviendo la discusión acerca de las prácticas bancarias incorrectas que se han observado. Desarrollo de los conceptos básicos de las operaciones financieras de ahorro (cuentas corrientes, libretas de ahorro, tarjetas de crédito y débito, fondos de inversión, planes de pensiones, planes de previsión asegurada, planes de jubilación, seguros de ahorro, el cheque....). Explicación de las decisiones de inversión y financiación de la empresa y su importancia en la planificación financiera de la misma.
UNIT 1: THE LOAN AGREEMENT
UNIT 2: DEBT DEFAULT: CONSEQUENCES AND SOLUTIONS
UNIT 3: FINANCIAL SAVINGS AND INVESTMENT PRODUCTS
UNIT 4: TREASUTY SECURITIES
UNIT 5. BANKING PRODUCTS FOR CORPORATE FINANCING. ALTERNATIVE FINANCING FORMULAS TO BANK FINANCING
GENERAL
Problems and readings related to all the contents of the course.
Promoting the continuous improvement of working and study conditions of the entire university community is one the basic principles and goals of the Universidad Politécnica de Cartagena. Such commitment to prevention and the responsibilities arising from it concern all realms of the university: governing bodies, management team, teaching and research staff, administrative and service staff and students. The UPCT Service of Occupational Hazards (Servicio de Prevención de Riesgos Laborales de la UPCT) has published a "Risk Prevention Manual for new students" (Manual de acogida al estudiante en materia de prevención de riesgos), which may be downloaded from the e-learning platform ("Aula Virtual"), with instructions and recommendations on how to act properly, from the point of view of prevention (safety, ergonomics, etc.), when developing any type of activity at the University. You will also find recommendations on how to proceed in an emergency or if an incident occurs. Particularly when carrying out training practices in laboratories, workshops or field work, you must follow all your teacher's instructions, because he/she is the person responsible for your safety and health during practice performance. Feel free to ask any questions you may have and do not put your safety or that of your classmates at risk.
Unit 1: the main aim of this unit is that the student knows some of the most important personal financial products such as personal loans, mortgages or the loan consolidation. Moreover, the student should be able to recognize the most common improper banking practices and the way to proceed in each case.
Unit 2: in this unit the student will learn the procedure to be followed in case of facing up to improper banking practices.
Unit 3: the student should be able to identify different financial and investment products such as saving deposits and their interests and commissions; how to calculate the average interest rate; the difference between credit and debit cards; pension plans and the difference with guaranteed benefit plans; the investment funds and the different kinds of means of payment which can be accessed by people.
Unit 4: the student should be able to identify the different types of treasury securities and government bonds.
Units 5 : these units are more company-oriented. At the end of this unit the student should be able to differentiate among the different kinds of financial and investment products used by firms, both in the long and in the short-term.
Class in conventional classroom: theory, problems, case studies, seminars, etc
Theoretical classes with the necessary training contents to carry out the tasks assigned to the student and banking practices.
In the development of the theoretical classes, practical classes on bank casuistry obtained from reality are carried out.
27
100
Assessment activities (continuous assessment system)
Continuous Evaluation System through the elaboration of projects.
18
100
Assessment activities (final assessment system)
In the Final Assessment System, an exam will be carried out with an approximate duration of 60 minutes.
1
100
Tutorials
Weekly supervising of students
15
50
Student work: study or individual or group work
Student work for preparation of the contents of the subject and the preparation of projects assigned by the teacher
Study of the student, search and processing of information for the preparation of the works
51.5
0
Spoken or written exams
0 %
Participation and involvement in the teaching-learning process
In-class: Resolution of practical cases on banking, asking questions
Different topics are raised and solved, and class participation by the students is strengthened through group and cooperative learning.
10 %
Evaluation of assignments and reports on practical sessions (final product, follow-up and contribution in the case of group work)
The assessment of this subject will be ongoing and will involve the completion of 3 assignments specified by the professor (each worth 30%, with a minimum requirement of 40% of their relative weight to pass each one of them). Students who wish to do so may replace the completion of unfinished or unsatisfactory assignments (due to being incomplete, not following the professor's instructions, not submitted on time, copied, etc.) with questions in the final exam, which will cover the topics addressed in the 3 assignments.
90 %
Spoken or written exams
For students who do not take the continuous assessment or those who do not pass it, a final exam may be taken. The exam questions will be related to both the learning participation activities (10%) and the 3 projects developed in the continuous asessment system (30% each of them).
100 %
Author: Lozano Gutiérrez, MC
Title: Manual de Prácticas Bancarias
Editorial: Universidad Politécnica de Cartagena
Publication Date: 2018
ISBN: 978-84-16325-77-1
Author: Suárez Suárez, Andrés-Santiago
Title: Decisiones óptimas de inversión y financiación en la empresa
Editorial: Pírámide
Publication Date: 2014
ISBN: 9788436830194
Author: Suárez Suárez, Andrés Santiago
Title: Decisiones óptimas de inversión y financiación en la empresa
Editorial: Pírámide
Publication Date: 1998
ISBN: 8436810325
Author: Durán Herrera, Juan José
Title: Economía y dirección financiera de la empresa
Editorial: Pirámide
Publication Date: 1992
ISBN: 8436807138
Author: Higgins, Robert C.
Title: Análisis para la dirección financiera
Editorial: McGraw Hill,
Publication Date: 2004
ISBN: 9788448141943
Author: Ruiz Martinez, Ramón J.
Title: La planificación financiera de la empresa
Editorial: Instituto Superior de Técnicas y Prácticas Bancarias
Publication Date: 2001
ISBN: 9788495525208