{{sellerTotalView > 1 ? __("sellers", {number: sellerTotalView}) : __("seller", {number: sellerTotalView}) }}, {{numTotalView > 1 ? __("items", {number: numTotalView}) : __("item", {number: numTotalView}) }}
free FREE

Change Your Zip Code

Inventory information and delivery speeds may vary for different locations.

Location History

{{email ? __('Got it!') : __('Restock Alert')}}

We will notify you by email when the item back in stock.

Cancel
Yami

Jingdong book

生活中的金融学大全集(超值黄金版)

{{buttonTypePin == 3 ? __("Scan to view more PinGo") : __("Scan to start")}}

生活中的金融学大全集(超值黄金版)

{{__(":people-members", {'people': item.limit_people_count})}} {{ itemCurrency }}{{ item.valid_price }} {{ itemCurrency }}{{ item.invalid_price }} {{ itemDiscount }}
Ends in
{{ itemCurrency }}{{ item.valid_price }}
{{ itemCurrency }}{{ priceFormat(item.valid_price / item.bundle_specification) }}/{{ item.unit }}
{{ itemDiscount }}
{{ itemCurrency }}{{ item.valid_price }} {{ itemCurrency }}{{ priceFormat(item.valid_price / item.bundle_specification) }}/{{ item.unit }} {{ itemCurrency }}{{ item.invalid_price }} {{itemDiscount}}
{{ itemCurrency }}{{ item.valid_price }}
Sale ends in
Sale will starts after Sale ends in
{{ getSeckillDesc(item.seckill_data) }}
{{ __( "Pay with Gift Card to get sale price: :itemCurrency:price", { 'itemCurrency' : itemCurrency, 'price' : (item.giftcard_price ? priceFormat(item.giftcard_price) : '0.00') } ) }} ({{ itemCurrency }}{{ priceFormat(item.giftcard_price / item.bundle_specification) }}/{{ item.unit }}) Details
Best before

Currently unavailable.

We don't know when or if this item will be back in stock.

Unavailable in your area.
Sold Out

Details

Full product details
Editer Recommend

三天读懂金融学,用精明头脑指导生活谁在惦记你的菜篮子?是你还是大洋彼岸的金融大鳄?没有数据模型和深奥推理,只讲述身边活生生的案例。钱是永远会睡觉的”。它时时刻刻在寻找新的主人和新的机会,而这个寻找过程可能美好,也可能带着血雨腥风。张洽、梅园编著的《生活中的金融学大全集》向你解读与你息息相关的金融基本知识和你关心热点问题。看大洋彼岸的金融大鳄是如何影响你的菜篮子。
Content Description

《生活中的金融学大全集(超值黄金版)》是一本通俗的金融学读物,《生活中的金融学大全集(超值黄金版)》深入浅出地告诉读者,什么是金融?什么是金融学?金融危机是怎么回事?危机之后,金融市场是否会终结?为什么会存在金融市场?金融交易除了让华尔街、金融街赚钱之外,对社会到底有没有贡献、有没有创造价值?如果有,又是如何贡献、如何创造价值的?
Catalogue

第一章难以躲避的金融危机——关注金融危机应懂的金融学
西方不行了吗——次贷危机引发的金融危机
索罗斯和他的“量子危机”——金融危机的类型和成因
金融危机几时休——频发的金融危机
市场原教旨主义的覆灭——金融危机带来的思考
第二章用政策手段调整市场——关注金融政策应懂的金融学
央行的三大法宝——货币政策
到日本去贷款——利率政策
到韩国去血拼——汇率政策
鱼和熊掌可兼得吗——蒙代尔-克鲁格曼不可能三角
曾经我们只有两家银行——金融体制改革
现代经济发展的引擎——金融发展与经济增长
第三章“钱生钱”的市场——关注金融市场应懂的金融学
“媒介器”、 “调节器”和“润滑剂”一金融市场
有借有还,再借不难——货币市场
什么造就了“海上马车夫”——资本市场
值得信赖的承诺——国债
巴菲特的神话——股票市场
我看好你的未来——PE和VC
第四章货币和信用——关注金融学理论应懂的金融学
金融的逻辑起点——价值、货币和信用
“货币战争”是钞票的战争吗——货币制度与货币发行
cPI和PPI是什么意思——价格指数
通货膨胀都是坏事吗——通货膨胀和通货紧缩
你被列入黑名单了吗——信用关系中的个人
这是“钱”吗——从贝壳到Q币
第五章利率——关注利率变化应懂的金融学
钱是怎样“生”钱的——利息和利息率
怎么有那么多种利率——利率体系和利率计算
央行加息和上调存款准备金率是什么关系——利率调整
“月息三分”——利贷和民间信贷
我国利率由谁决定——影响我国利率的主要因素
为什么市场利率上升时债券价格会下降——利率与债券收益
第六章没有硝烟的货币战争——关注国际金融应懂的金融学
为什么美元比人民币值钱——外汇和汇率的基本内涵
为什么黄金不再是钱了——国际金融体系
我们能一直赚美国人的钱吗——国际收支
两万亿美元怎么花——外汇储备
到美国炒股去——国际资本流动
他们曾经让拉美国家破产——国际金融机构
冒险者的天堂——著名国际金融中心
第七章让财“理”你——关注个人理财应懂的金融学
从“负翁”到“富翁”——锁谈消费信贷
玩转银行卡——利用银行卡理财
股市“抄底”的时机到了吗——鸡尾酒会理论
我中签了——打新股
地震能“保险”吗——险种和理赔
不炒股票就远离金融风险了吗——形形色色的理财产品
你能变成“马未都第二”吗——艺术品投资
第八章当好老板和股东——关注公司理财应懂的金融学
高负债带来高收益吗——MM理论
怎样才能从银行贷到款——企业偿债能力和信用评级
网上开店为啥那么火——企业经营的成本和利润
为什么说上市是“圈钱”——企业上市
与泡沫共舞——市盈率
魔高一尺,道高一丈——洗钱和反洗钱
第九章金融学前沿课题——关注金融学发展应懂的金融学
大众情人和“最大笨蛋”——行为金融学
华尔街新宠——金融工程硕士
“我可以计算万物之间的引力,但无法计算人类的疯狂”——金融物理学
探求生死规律——人寿保险的“生命表”
金融能为气候变暖做些什么——碳金融
Book Abstract

◆关于利率市场化问题
把经济体系中任何一个因素单独提出来都与利率有一定关系(凯恩斯,1936),利率历来是经济学家探索和研究的重点,又是各国政府力图控制和掌握的政策工具。间接融资还是直接融资结构的选择是金融体系建立的目标,是长期的基本的问题,而利率市场化则是短期要考虑的东西。
从凯恩斯革命开始到20世纪70年代初的30多年里,凯恩斯的政府干预政策主张对当时资本主义世界经济发展起到了一定的推动作用,然而,70年代后,发达国家在高速发展中积累的矛盾显露出来,尤其是滞胀的出现使得自由主义学派开始崭露头角,其中有影响力的包括弗里德曼的货币主义学派、卢卡斯的理性预期学派、哈耶克的新经济自由主义和爱德华·肖的金融深化理论等。这些学派认为市场经济的核心就是通过价格机制的作用优化资源配置,而利率是资本的价格,金融资源的合理配置客观上就要求利率市场化。
我国金融业正经历着利率市场化的微观消化过程,许多矛盾和扭曲在影响着金融体制改革的质量和下一步的抉择。金融体制的既有框架容纳了现行的利率体系、利率政策和利率水平决定机制,也决定了我国禾Ⅱ率市场化改革的路径以及所能达到的最终效果,而利率制度的效率则最终决定我国金融体系的效率。作为金融体制改革的一个重要组成部分,利率市场化改革同样采取了与之相适应的渐进式改革,这既是国际的经验也与我国正处于转轨时期的现实有关。我国利率市场化的过程实际上就是创造利率市场化条件的过程。
在特定的经济体制背景和金融环境中,我国的利率市场化改革大致分为三个阶段,1978—1993年是调整利率水平和结构阶段,这一阶段基本改变了负利率和零利差现象,偏低的利率水平得到纠正,利率期限档次和种类得到合理设定,银行部门的利益得到重视;1993—1996年是利率生成机制改革阶段,这一阶段的利率改革是不断扩大利率浮动范围,放松对利率的管制,促进利率水平在调整市场行为中发挥作用,以建立一个有效宏观调控的利率管理体制。1996年至今是利率市场化快速推进阶段,目的在于建立一种由中央银行引导市场利率的新型体制,实现利率管理直接调控向间接调控的过渡。同业拆借利率、贴现率与再贴现率、政策性银行金融债券发行利率、国债发行利率、3000万元以上和期限在5年以上的保险公司存款利率、外币存款利率、300万美元(或等值的其他外币)以上外币定期存款利率先后得以放开,利率衍生工具试点逐步展开,银行间市场利率基本实现市场化,金融机构存贷款利率的市场化机制正在逐步增强和深化。但是这一改革进程远未结束。我国利率市场化的实际程度仍落后于名义上的利率市场化,主要表现为操作层面上的利率市场程度落后于制度层面上的利率市场化、中央银行利率作为基准利率的调节作用和导向引力小,利率浮动定价机制执行缺乏现实基础以及利率的风险结构和水平不尽合理。
总体来说,我国的利率市场化改革滞后于整体金融发展形势,已经成为我国经济金融体制改革的瓶颈。然而,利率市场化进程目前还面临着一个两难的选择。利率一定要市场化,但是在人民币升值情况下又变得有一定难度。中国的利率水平与美国的利率水平有一个利差,如果人民币升值不超过这个利差,国外的投机行为就会很少。目前金融监管的措施之一是为了防止热钱流入,所以要使中国的利率保持比美国低两个百分点,此时利率政策的效果很明显。现在中国外汇储备规模的不断扩大主要是贸易顺差的贡献,这个比例在2006年大概是65%,这说明国际热钱进入中国的不多。所以,目前利率是被汇率焊接在一起的,成了调整汇率的工具。在汇率不自由的情况下,利率市场化就不能单独实现。
◆关于人民币国际化问题
1997年亚洲金融危机爆发,十年之后反思这场金融危机的一个重要启示就是货币体系问题。亚洲金融危机的爆发是在原有的分工格局和原有的货币体系下的一个必然发生的现象。如何在未来避免类似危机的产生,这就需要我们全新思考今天的货币体系。
在亚洲区域中,一个负责任的货币政策非常重要,也需要一个负责任的大国来承担。这个大国在过去是日本。但是日本金融体系固有的问题使得其在支持基础研究方面落已经后于美国。当信息技术产业的基础研究不再转移给日本时,日本的产业升级开始出现问题。结果是日本的“领头雁”作用开始下滑,曾经的“雁身”和“雁尾”国家需要重新寻找“雁头”。
随着中国人世和国民经济的快速发展,中国和世界的相互依赖越来越多。经验表明,一个大国的宏观经济同时均衡是很困难的,大国的宏观经济均衡必然是在全球范围内才能实现。在这样的格局下,中国和亚洲的关系就从客观上对人民币国际化提出了需求。中国对日本以外的亚洲国家基本都是逆差,而亚洲国家对华的顺差就意味着中国需要支付,现在是美元支付,那么能不能变成人民币支付,用人民币计价、结算和支付?亚洲区域内国家目前对人民币的需求十分强烈,这使得人民币有可能变成国际化货币。
经过30多年的改革开放,我国综合国力迅速壮大,对外贸易和利用外资都达到了相当的规模。要进一步扩大对外经济联系,客观上要求人民币走向国际。在一个国际区域内,要想实现区域的经济合作,实现投资贸易自由化,也必须要有一个统一货币体系,要有负责任的货币政策。在目前,中国有必要也有条件在亚洲区域内承担一个负责任国家的角色。
在一国两制的条件下,香港已逐渐发展成为主要的国际金融中心,港币是自由兑换的货币。发挥香港的优势是支撑人民币国际化的有利条件。我们可以通过以人民币为背景的港币国际化作为尖兵,既满足人民币目前在资本项下尚不可兑换的约束条件,又能间接实现人民币国际化需要,同时支持了香港金融市场的发展。
事实上,作为国际化一个发展阶段——区域化,人民币已经开始具有成为亚洲区域内主导货币的条件。人民币作为亚洲国家的储备货币是有可能实现的,首先,人民币在许多国家和地区已成为硬通货。其次,上海合作组织以及2010年投资贸易自由化的安排,人民币有可能成为区域性的计价、结算的手段。目前,人民币在香港可以自由支付,而周边国家居民也逐渐认可并接受人民币作为交易货币和清算货币,用来作为其国内国际贸易流通的媒介。这些现象表明,人民币已经国际化,但是目前还没有与之相适应的国际化政策使其成为区域的主导货币。
……

Specifications

Brand Jingdong book
Brand Origin China

Disclaimer

Product packaging, specifications and price are subject to change without notice. All information about the products on our website is provided for information purposes only. Please always read labels, warnings and directions provided with the product before use.

View Full Terms of Use
Add to favorites
{{ $isZh ? coupon.coupon_name_sub : coupon.coupon_ename_sub | formatCurrency }}
{{__("Buy Directly")}} {{ itemCurrency }}{{ item.directly_price }}
Quantity
{{ quantity }}
{{ instockMsg }}
{{ limitText }}
{{buttonTypePin == 3 ? __("Scan to view more PinGo") : __("Scan to start")}}
Sold by JD@CHINA
Ship to
{{ __("Ship to United States only") }}
Free shipping over 69
Genuine guarantee

Added to Cart

Keep Shopping

More to Consider

{{ item.brand_name }}

{{ item.item_name }}

{{ item.currency }}{{ item.market_price }}

{{ item.currency }}{{ item.unit_price }}

{{ item.currency }}{{ item.unit_price }}

Coupons

{{ coupon.coupon_name_new | formatCurrency }}
Clip Clipped Over
{{ getCouponDescStr(coupon) }}
{{ coupon.use_time_desc }}
Expires soon {{ formatTime(coupon.use_end_time) }}

Share this item with friends

Cancel

Yami Gift Card

Get this exclusive deal when paying with gift card

Terms and Conditions

Gift card deals are special offers for selected products;

The gift card deals will automatically be activated if a customer uses gift card balance at check out and the balance is sufficient to pay for the total price of the shopping cart products with gift card deals;

You will not be able to activate the gift card deals if you choose other payment methods besides gift card. The products will be purchased at their normal prices;

If your account balance is not enough to pay for the products with gift card deals, you can choose to reload your gift card balance by clicking on the Reload button at either shopping cart page or check out page;

Products that have gift card deals can be recognized by a special symbol showing 'GC Deal';

For any additional questions or concerns, please contact our customer service;

Yamibuy reserves the right of final interpretation.

Sold by Yami

Service Guarantee

Yami Free Shipping over $49
Yami Easy Returns
Yami Ships from United States

Shipping

  • United States

    Standard Shipping is $5.99 (Excluding Alaska & Hawaii). Free on orders of $49 or more.

    Local Express is $5.99 (Available in Parts of CA, NJ, MA & PA). Free on orders of $49 or more.

    2-Day Express (Includes Alaska & Hawaii) starts at $19.99.

Return Policy

Yami is committed to provide our customers with a peace of mind when purchasing from us. Most items shipped from Yamibuy.com can be returned within 30 days of receipt of shipment (For Food, Beverages, Snacks, Dry Goods, Health supplements, Fresh Grocery and Perishables Goods, within 7 days of receipt of shipment due to damages or quality issues; To ensure that every customer receives safe and high-quality products, we do not provide refunds or returns for beauty products once they have been opened or used, except in the case of quality issues; Some products may have different policies or requirements associated with them, please see below for products under special categories, or contact Yami Customer Service for further assistance).
Thank you for your understanding and support.

Learn More

Sold by Yami

Terms and Conditions of Yami E-Gift Card

If you choose “Redeem automatically” as your delivery method, your gift card balance will be reload automatically after your order has been processed successfully;

If you choose “Send to Email”as your delivery method, the card number and CVV will be sent to the email address automatically;

Any user can use the card number and CVV to redeem the gift card, please keep your gift card information safely. If you have any trouble receiving email, please contact Yami customer service;

Yami gift card can be used to purchase both Yami owned or Marketplace products;

Yami gift card will never expire;

Yami gift card balance does not have to be used up at once;

All rights reserved by Yami.

Return Policy

Gift card that has already been consumed is non-refundable.

Sold by JD@CHINA

Service Guarantee

Yami Free Shipping over $49
Yami Easy Returns
Yami Ships from United States

Shipping

  • United States

    Standard Shipping is $5.99 (Excluding Alaska & Hawaii). Free on orders of $49 or more.

    Local Express is $5.99 (Available in Parts of CA, NJ, MA & PA). Free on orders of $49 or more.

    2-Day Express (Includes Alaska & Hawaii) starts at $19.99.

Return Policy

You may return product within 30 days upon receiving the product. Items returned must be new in it's original packing, including the original invoice for the purchase. Customer return product at their own expense.

Sold by JD@CHINA

Service Guarantee

Yami Cross-store Free Shipping over $69
Yami 30-days Return

Yami-China FC

Yami has a consolidation warehouse in China which collects multiple sellers’ packages and combines to one order. Our Yami consolidation warehouse will directly ship the packages to your door. Cross-store free shipping over $69.

Return Policy

You may return products within 30 days upon receiving the products. Sellers take responsibilities for any wrong shipment or missing items. Packing needs to be unopened for any other than quality issues return. We promise to pack carefully, but because goods are taking long journey to destinations, simple damages to packaging may occur. Any damages not causing internal goods quality problems are not allowed to return. If you open the package and any quality problem is found, please contact customer service within three days after receipt of goods.

Shipping Information

Yami Consolidation Service Shipping Fee $9.99(Free shipping over $69)

Sellers in China will ship their orders within 1-2 business days once the order is placed. Packages are sent to our consolidation warehouse in China and combined there. Our Yami consolidation warehouse will directly ship the packages to you via UPS. The average time for UPS to ship from China to the United States is about 10 working days and it can be traced using the tracking number. Due to the pandemic, the delivery time may be delayed by about 5 days. The package needs to be signed by the guest. If the receipt is not signed, the customer shall bear the risk of loss of the package.

Sold by JD@CHINA

Service Guarantee

Free shipping over 69
Genuine guarantee

Shipping

Yami Consolidated Shipping $9.99(Free shipping over $69)


Seller will ship the orders within 1-2 business days. The logistics time limit is expected to be 7-15 working days. In case of customs clearance, the delivery time will be extended by 3-7 days. The final receipt date is subject to the information of the postal company.

Yami Points information

All items are excluding from any promotion or points events on Yamibuy.com

Return Policy

You may return product within 30 days upon receiving the product. Items returned must be new in it's original packing, including the original invoice for the purchase. Customer return product at their own expense.

Yami

Download the Yami App

Back Top

Recommended for You

About the brand

Jingdong book

为您推荐

Yami
欣葉
2种选择
欣叶 御大福 芋头麻薯 180g

周销量 600+

$1.66 $1.99 83折
Yami
欣葉
2种选择
欣叶 御大福 芋头麻薯 180g

周销量 600+

$1.66 $1.99 83折
Yami
欣葉
2种选择
欣叶 御大福 芋头麻薯 180g

周销量 600+

$1.66 $1.99 83折
Yami
欣葉
2种选择
欣叶 御大福 芋头麻薯 180g

周销量 600+

$1.66 $1.99 83折
Yami
欣葉
2种选择
欣叶 御大福 芋头麻薯 180g

周销量 600+

$1.66 $1.99 83折
Yami
欣葉
2种选择
欣叶 御大福 芋头麻薯 180g

周销量 600+

$1.66 $1.99 83折

Reviews{{'('+ commentList.posts_count + ')'}}

Have your say. Be the first to help other guests.

Write a review
{{ totalRating }} Write a review
  • {{i}} star

    {{i}} stars

    {{ parseInt(commentRatingList[i]) }}%

Yami Yami
{{ comment.user_name }}

{{ showTranslate(comment) }}Show Less

{{ strLimit(comment,800) }}Show more

Show Original

{{ comment.content }}

Yami
Show All

{{ formatTime(comment.in_dtm) }} VERIFIED PURCHASE {{groupData}}

{{ comment.likes_count }} {{ comment.likes_count }} {{ comment.reply_count }} {{comment.in_user==uid ? __('Delete') : __('Report')}}
Yami Yami
{{ comment.user_name }}

{{ showTranslate(comment) }}Show Less

{{ strLimit(comment,800) }}Show more

Show Original

{{ comment.content }}

Yami
Show All

{{ formatTime(comment.in_dtm) }} VERIFIED PURCHASE {{groupData}}

{{ comment.likes_count }} {{ comment.likes_count }} {{ comment.reply_count }} {{comment.in_user==uid ? __('Delete') : __('Report')}}

No related comment~

Review

Yami Yami

{{ showTranslate(commentDetails) }}Show Less

{{ strLimit(commentDetails,800) }}Show more

Show Original

{{ commentDetails.content }}

Yami
Show All

{{ formatTime(commentDetails.in_dtm) }} VERIFIED PURCHASE {{groupData}}

{{ commentDetails.likes_count }} {{ commentDetails.likes_count }} {{ commentDetails.reply_count }} {{commentDetails.in_user==uid ? __('Delete') : __('Report')}}

Please write at least one word

Comments{{'(' + replyList.length + ')'}}

Yami Yami

{{ showTranslate(reply) }}Show Less

{{ strLimit(reply,800) }}Show more

Show Original

{{ reply.reply_content }}

{{ formatTime(reply.reply_in_dtm) }}

{{ reply.reply_likes_count }} {{ reply.reply_likes_count }} {{ reply.reply_reply_count }} {{reply.reply_in_user==uid ? __('Delete') : __('Report')}}

Please write at least one word

Cancel

That’s all the comments so far!

Write a review
How would you rate this item?

Please add your comment.

  • A nice nickname will make your comments more popular!
  • The nickname in your account will be changed to the same as here.
Thanks for your review
Our community rely on great reviews like yours to find the best of Asia.

Report

If you find this content inappropriate and think it should be removed from the Yami.com site, let us know please.

Cancel

Are you sure to delete your review?

Cancel

You’ve Recently Viewed

About the brand

Jingdong book