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所在平台: Coursera |
课程主页: https://www.coursera.org/learn/finance-debt
课程评论：没有评论
课程名称：人人都需了解的金融：债务 课程概述：在《债务》课程中，我们探讨了一个不断未解的财务难题：借贷多少才合适？我们首先展示了为何债务一直以来都是一种巨大的诱惑，尤其是在借贷成本历史性低迷的情况下。我们确定了选择最佳债务量的条件，以帮助企业最大化其价值。学员将熟悉与债务相关的概念，如规范和基准，探索影响个人及公共部门（包括政府）债务的各种因素。债务像污染一样，即使对未直接产生债务的人和组织也会带来系统性风险。本课程讨论了限制和减少债务的必要性以及如果不这样做对我们所有人的代价。我们通过案例学习，提供机会让您解读、发现并获取经常隐藏或缺失的财务信息，并总结以往课程的关键线索，以使您对债务的运作情况和其潜在风险有深刻而连贯的理解。 课程大纲： 第一部分：欢迎与个人债务 本周介绍当今一个关键问题：多少债务才算过多？我们将展示债务的吸引力，特别是在历史低借贷成本的情况下。此外，我们将深入个人债务，通过提升财务素养和了解自身动机来帮助您更好地管理债务水平，而不是让债务控制您。您将建立债务与之前三门课程概念的联系，并开始评估您希望在本课程最后作业中解决的债务领域。 第二部分：企业债务 本周我们将探讨企业债务，探讨在某些情况下，企业债务比股权更具优势的原因。在认真分析的基础上，我们将理解债务如何在经济增长期为企业提供财务杠杆，进而提升企业价值。同时，我们也会分享对这种债务如何影响投资决策的看法。 第三部分：政府债务 本周我们将关注政府债务，理解某种程度的债务是增长国家财富的必要条件，但我们也将讨论这种债务在全球范围内如何成为了一种“单一体”。我们共同揭示这一点如何影响您以及您周围的人和地区，并讨论在经济转型时应如何应对。此次课程还将启动关于您的债务案例研究的同伴评审活动。 第四部分：债务综合 第四周将是整合我们所学的债务知识的时刻——无论是个人经验、企业状况，还是政府债务水平。您将重新审视您的债务案例研究，分享课程中最大的收获，并展望F4E：结课项目！
Part: 1
Title:Welcome & Personal Debt
Description:Welcome! This first week will introduce you to a critical question for our time: how much debt is too much debt? We start by demonstrating why using debt has always been and continues to be a great temptation, particularly when borrowing costs are historically low. Then we’ll delve into Personal Debt and how building your financial literacy as well as tapping into your own motivations can help you manage your debt level, instead of it managing you. You will make connections between Debt and concepts in the prior three courses of this Specialization, and start examining what area of debt from your experiences that you would like to address as part of this course’s final assignment.
Part: 2
Title:Corporate Debt
Description:This week we will look at Corporate Debt and how this type of debt has significant advantages over equity under certain conditions. Taking a critical yet realistic lense, we’ll explore how debt favours and benefit firms who use it as financial leverage aimed at increasing a firm’s value, while impressing an understanding of why this is an advantage only during times of growth. We’ll also tap into each other’s thoughts on how this type of debt could influence our own investing decisions
Part: 3
Title:Government Debt
Description:This week we’ll move beyond the personal and corporate to the bigger picture of Government Debt. We’ll collectively understand why a measure of debt is often a requirement to grow national wealth. But, we’ll also discuss how this ‘measure’ of debt has become a ‘monolith’ of debt in many instances around the globe. The key aspect that we’ll work together to uncover is how this impacts you and the people and places surrounding you, and consider how we might plan and react to finding ourselves at an economic turning point in our history. This week will also be the launch of our peer review activity around your debt case study.
Part: 4
Title:Debt Synthesis
Description:Week 4 is the time to synthesize all that we have learned about debt - from our personal experiences, the state of corporations as well as the current level of government debt, and scrutinize and address it in a way that will increase your debt literacy. You will also reexamine your debt case study and share your biggest takeaways from the course, and look ahead to F4E: Capstone!
In Debt, we take on one of the most challenging financial questions that remains unresolved: How much to borrow? We start by demonstrating why using debt has always been and continues to be a great temptation, particularly when borrowing costs are historically low. We identify conditions for selecting the optimal amount of debt for a corporation looking to maximize its value. You’ll become fluent in related concepts like norms and benchmarks. You will explore these and other factors that influence debt for individuals and for public sector organizations -including governments, who are the largest consumers of debt. Like pollution, debt creates systemic risks even for the people and organizations that don’t create it. This course discusses the imperative of limiting and reducing debt and the costs to all of us if we don’t. We build on case based learning giving you opportunities to interpret, uncover and acquire financial information that is often hidden or missing. We also summarize important threads from previous courses to give you a deep and cohesive understanding of when debt works for you and when it becomes your worst enemy.
