Name: COMPLEMENTS OF INVESTMENT AND FINANCING
Length of subject: Per term
Semester and course: 4th Year - Second term
Mode of study: On-site class
Lecturer data: SÁNCHEZ HERNÁNDEZ, MARÍA DEL MAR
Knowledge area: Economía Financiera y Contabilidad
Department: Economía, Contabilidad y Finanzas
Office hours and location: Contact with the lecturer
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 0. THE FINANCIAL SYSTEM
1. The European Central Bank
1.1. The Banco de España
1.2. Financial entities
UNIT 1. MORTGAGE LOAN
1 1. Definition. Fixed rate vs variable rate. Requirements. European Standardized Information Sheet and Stardadized Warning Sheet. Guarantees
1.2. Expenses associated with a mortgage
1.3. Problems arising from non-payment of a mortgage loan.
UNIT 2. PERSONAL LOAN
2.1. Loan between relatives
2.2. Loan for cars
2.3. Quick credits
2.4. Apparent interest-fee financing
UNIT 3. CREDIT OPERATIONS
3.1. Savings Account and Current Account
3.1.3. Interests and Commisions in savings and current accounts.
3.2. Time deposits
3.2.1. Fixed Term Deposits
3.2.2. Structured Deposit
3.3.1. Differences between credit and debit card
3.3.2. Card description
3.3.3.Fees and interests associated with cards
3.3.4. How to prevent fraud on your card. Phishing.
3.4. Means of payment
3.5. Pension plans
UNIT 4. MUTUAL FUNDS AND COLLECTIVE INVESTMENT
4.2. Types of funds
4.3. Fees associated to mutual funds
4.4. Risk labels
4.5. How to select a mutual fund
UNIT 5: THE BANK COMPLAINT
3.1. Improper banking practices
3.2. Procedure to be followed for a bank claim
UD.6: SHORT-TERM BUSINESS FINANCING: FACTORING, TRADE DISCOUNTS
UD.7: LONG-TERM BUSINESS FINANCING: LEASING, RENTING, CONFIRMING, VENTURE CAPITAL, MUTUAL GUARANTEE SOCIETIES
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: 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 3: in this unit the student will learn the procedure to be followed in case of facing up to improper banking practices. Unit 4: the student should be able to identify the different types of treasury securities and government bonds. Units 5 and 6: 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-run.
Theory class: Activities consisting of training sessions to develop theoretical knowledge based on concepts and theories
Theoretical classes with the necessary training contents to carry out the tasks assigned to the student and banking practices.
Problem solving class: Activities consisting of training sessions to develop practical or applied knowledge based on problem solving exercises, or practical cases
In the development of the theoretical classes, practical classes on bank casuistry obtained from reality are carried out.
Laboratory or field practice class: Activities aimed at developing practical or applied skills by the student supervised by a remote teacher
Practical class in the computer room: Activities for the acquisition of certain skills through the use of specific software
Seminars, tutorials led by teaching staff, conferences, visits, round tables, etc .: Activities to develop theoretical, practical or applied knowledge based on specific topics or views of the profession
Assessments (continuous assessment system): speaking or writing tests, presentations, individually or in groups, which should include the knowledge acquired in the classes. Formative and summative assessment activities are included here
Continuous Evaluation System through the elaboration of projects.
Assessments (final assessment system): speaking or writing tests, individually or in groups, which should include the knowledge acquired in the classes. Summative evaluation is included
In the Final Assessment System, an exam will be carried out with an approximate duration of 60 minutes.
Tutorials: Individual or in groups, will serve to advise, resolve any doubts, guide, monitor work or the knowledge acquired
Weekly supervising of students
Carrying out individual or group assignments: Autonomous and / or collaborative learning to develop theoretical, practical or applied knowledge by carrying out projects, practice reports and / or assignments
Student work for preparation of the contents of the subject and the preparation of projects assigned by the teacher
Individual study: Time dedicated to studying the subject
Study of the student, search and processing of information for the preparation of the works
Spoken or written exams
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.
Evaluation of assignments and reports on practical sessions (final product, follow-up and contribution in the case of group work)
The evaluation is continuous, and it consists of carrying out 3 compulsory projects set by the teacher. The students will carry out the projects in groups. These projects should be defended by the groups in class. Each project will mean a maximum of 3 points of the student's final grade.
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).
Author: Lozano Gutiérrez, MC
Title: Manual de Prácticas Bancarias
Editorial: Universidad Politécnica de Cartagena
Publication Date: 2018
Author: Suárez Suárez, Andrés-Santiago
Title: Decisiones óptimas de inversión y financiación en la empresa
Publication Date: 2014
Author: Suárez Suárez, Andrés Santiago
Title: Decisiones óptimas de inversión y financiación en la empresa
Publication Date: 1998
Author: Durán Herrera, Juan José
Title: Economía y dirección financiera de la empresa
Publication Date: 1992
Author: Higgins, Robert C.
Title: Análisis para la dirección financiera
Editorial: McGraw Hill,
Publication Date: 2004
Author: Ruiz Martinez, Ramón J.
Title: La planificación financiera de la empresa
Editorial: Instituto Superior de Técnicas y Prácticas Bancarias
Publication Date: 2001