第一章: The Hong Kong banking system – an introduction 1 第二章 Money, banking and the economy 4 第三章: The Hong Kong banking regulations-capital adequacy and liquidity ratios, the limitations and restrictions of banking practices 5 第四章: International banking- regulatory and market development 7 第五章 financial institutions, the capital and money markets 8 第六章bank clearing system and fund transfer 10 第七章 banking business for the personal sector 11 第八章 banking services for the business sector 12 第九章 private banking and merchant banking 14 第十章 The banks’ role in international trade 15 第十一章 Financing foreign trade- documentary credits and collections, shipping terms and documents 17 第十二章 International money transaction 20 第十三章 Foreign exchange 22 第十四章 Basic considerations in granting credit facilities 24 第十五章 Types of advances 25 第十六章 Special types of borrower – the commercial sector 26 第十七章 Securities for lending 28 第十八章 Balance sheet analysis 29 第十九章 Advance control 30 第一章: The Hong Kong banking system – an introduction l The main features of the three-tier system The essential feature of the change in the system is that the old categories of the Licensed Deposit –Taking Companies (LTDS) and the Registered Deposit-taking Companies (RTDS) were replaced by two new categories, the restricted licensed banks (RLBs) replace the LTDS and the deposit taking companies (DTCS) replace the RDCs. There is no change in respect of Licensed Banks except that the minimum paid-up share capital for locally incorporated banks is increased from HK$100 million to HK$150 million. The word “bank” or its derivatives must be qualified by adjectives such as “merchant” or “investment”, so that they are clearly differentiated from licensed banks. However, terms such as “commercial “or “retail” are not acceptable. A RLB incorporated overseas may trade under its corporate name, even though that name includes the word “bank”(or its derivatives), however, the name must be used immediately in conjunction with the phrase “restricted licensed bank”.