会计与金融涉及货币、商业和管理的概念，重点是这些领域的专业职业。会计学与企业不同方面的信息分析有关，而金融学只涉及企业的货币资金。
为什么要学习会计和金融？
在大学学习会计和金融有很多原因，从您将发展的非常有价值的可转移技能到它提供的职业机会。以下是我们学习会计和金融的五个最大好处：
1. 灵活的职业道路
从大学毕业并获得会计和金融学位将使您有多种职业道路可供选择。您可以从事特许会计师、股票经纪人或法务会计师的职业，或者您可以朝着完全不同的方向前进，并利用您从学位中学到的知识成为业务发展经理、数据分析师或抵押贷款顾问。
2. 高收入潜力
拥有会计和金融学位的毕业生有可能获得高薪，具体取决于他们所遵循的职业道路。如果您选择成为公共或私人会计师，您的起薪预计约为 18,000 英镑。凭借进一步的经验和相关资格，您的目标是每年赚取高达 100,000 英镑（国家职业服务）。
3. 每个行业都需要会计师
选择会计和金融职业道路意味着您将拥有在不断高需求的职业中工作的技能。各行各业的公司都需要会计师和财务专业人士来管理他们的财务。对会计和金融毕业生的高需求意味着您将拥有强大的工作保障。
4. 研究生计划和培训
攻读会计和金融学位会产生大量的研究生培训计划。如果会计是您想从事的职业，那么您将有机会在毕业后遵循既定的职业道路。您可以作为研究生实习生加入一家成熟的公司，并遵循具有直接职业发展的结构化培训计划。
5. 可转移的技能
会计和金融学位将为您提供许多可转移的技能，这些技能将有助于提高您的简历，并使您成为一系列雇主的理想员工。您将发展强大的数字和定量技能，具有先进的分析和解决问题的能力。您将学习的雇主通常要求很高的一些技能包括：
- 沟通
- 时间管理和组织
- 商业组织的知识和意识
- 辩论和谈判的能力
金融代写案例：Finance代写，金融数学代写
Maturity transformation is one of the key functions of a modern banking system. Consider the following
model (from the lecture):
• A competitive bank with access to a long term technology yielding R > 1 per unit of investment at the final stage t = 2 and 𝜆 per unit of investment at the interim stage t = 1.
• In addition, there are 𝑀 depositors with one unit of endowment each.
• At t = 0, borrowers and bank know that the borrower has a consumption need 𝑐! at t = 1 with probability 𝜋 and a consumption need 𝑐” at t = 1 with probability 1 − 𝜋.
• Borrowers are risk neutral so that their utility function from the perspective of t = 0 is 𝑈 = 𝜋 𝑐! + (1 − 𝜋) 𝑐”.
• At t = 0, borrowers deposit their endowment at the bank against the bank’s promise of receiving 𝑐!
when withdrawing at t = 1 and 𝑐” when withdrawing at t = 2.
• At the same time, t = 0, the bank invests I of borrowers’ deposits into the long term technology and saves 𝑀 − 𝐼.
Questions:
1. Compare the optimal deposit schedule (from the lecture), (𝑐∗, 𝑐∗), to the deposit schedule obtained under autarky, (𝑐$ = 1 − 𝐼$ + 𝜆𝐼$, 𝑐$ = 1 − 𝐼$ + 𝑅𝐼$). To simplify calculations, assume that 𝐼% = (1 −𝜋)𝑀. Recall that in autarky, each depositor can at most invest her own dollar, i.e. 1 ≥ 𝐼$ ≥ 0. Provide an intuition for the difference.
2.The model for maturity transformation for depositors can be reinterpreted in terms of the interbank market. Describe (i) how the interbank market is similar to the model of maturity transformation of depositors, and (ii) under which circumstances there is a run in the interbank market.
3.Read the excerpt of the following opinion piece from the Financial Times from January 8th 2018: “Of course, the very fact that these institutions came through the 2008 crisis almost unscathed is a reassurance in itself. A CCP is a particular kind of entity and has many more sources of financial security beyond equity capital to protect it from failure. A “waterfall” of safeguards exists in the event a counterparty gets into trouble: a client must post “margin” in the form of collateral equivalent to a percentage value of the contract; that margin can be increased if signs of trouble emerge; CCPs operate default funds which can be tapped if a client defaults…” Explain under which circumstances an interbank market organized on a Central Counterparty (CCP) might become a place of risk hoarding. Discuss potential measures to make the CCP resilient against risk hoarding and collapse.
