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所在平台: Coursera |
课程主页: https://www.coursera.org/learn/wharton-crowdfunding-marketplace-lending-modern-investing
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课程名称：借贷、众筹与现代投资 课程概述：本课程将帮助您理解机器人顾问、众筹和市场借贷背后的基础理论，并将这些理论应用于优化投资。沃顿商学院的教授大卫·穆斯托设计了此课程，使您对现代投资组合理论和金融科技的理论框架有实际的理解。您将学习如何运用机器人顾问和众筹的理念，更好地评估和利用优化投资组合，同时管理风险。课程还将探讨当前的消费者信贷环境，以及如何在商业中利用金融科技。您将通过研究Square和CommonBond的案例分析真实的例子。到课程末，您将掌握在机器人顾问和众筹中计算风险和回报的技能，并能够评估市场借贷的价值，以实现更好的投资回报。该课程没有先修要求，虽然建议学习沃顿金融科技专项中的“金融科技：基础、支付与法规”和“加密货币与区块链：数字货币入门”。 课程大纲： 模块1：机器人顾问 描述：本模块介绍机器人顾问是什么以及它们如何为客户创造价值，涵盖现代投资组合理论的基础知识。您将识别和分析机器人顾问的构建要素，并更好地理解机器人顾问如何以高效且低成本的方式提供高影响力的投资建议。 模块2：众筹 描述：在本模块中，您将研究众筹的承诺与挑战，深入了解影响投资。您将探索投资众筹所面临的风险，以及2012年《就业法案》的影响，并学习如何应对众筹所带来的挑战，实现可持续和有意义的影响。 模块3：市场借贷 描述：本模块重点关注点对点借贷及其对消费者信贷环境和市场借贷的影响。您将识别不同类型债务，并发展分析能力，利用金融科技提升个人财务健康。 模块4：案例研究 描述：本模块为您提供了探索成功金融科技公司的机会，以理解金融科技如何形成新商业模式的基础。通过大卫·克莱因（CommonBond CEO）和杰基·雷斯（Square资本负责人）的深入见解，您将更好地理解金融科技在组织中的实际应用及其创造新市场机会的潜力。
Name:Module 1: Robo-Advising
Description:What are Robo-advisers and how do they add value to the customers? This module was designed to give you foundational knowledge of Modern Portfolio Theory and Robo-Advising. You’ll identify and analyze the building blocks of robo-advising, and gain a better understanding of how robo-advisers deliver high-impact investment advice at high volume and low costs. Through the framework of Modern Portfolio Theory, you’ll learn key concepts such as Mean Variance Optimization, the importance of diversification, and the foundations of Index Mutual Funds. By the end of this module, you’ll be better able to assess the risks and benefits of traditional investment advising to secure a better return on your investments.
Name:Module 2: Crowdfunding
Description:In this module, you’ll examine the promises and challenges of crowdfunding, and look closely at impact Investing. First, you'll explore the risks behind investing through crowdfunding. You’ll also learn about the JOBS Act of 2012 and identify the new approaches to finance innovation caused by the statute. Through calculation of the costs of using crowdfunding for investment, you’ll analyze the value "the wisdom of crowds" and gauge the risks and rewards of impact investing. By the end of this module, you’ll have a framework for thinking of the challenges that crowdfunding presents and how to overcome them effectively while exerting sustainable and meaningful impact.
Name:Module 3: Marketplace Lending
Description:In this module, you’ll examine peer-to-peer lending and its effect on the consumer credit landscape and marketplace lending. Through identification and understanding of the different types of debt in an average household, you’ll develop the analytical skills to exploit opportunities to use financial technologies to improve your financial health. You’ll also discover the value of peer-to-peer lending platforms and how they offer an alternative method to financing debt. By the end of this module, you’ll gain a better understanding of the current consumer credit landscape and be able to better analyze the methodology behind fintech companies that refinance loans for consumers.
Name:Module 4: Case Studies
Description:This module was designed to provide you with an opportunity to explore successful fintech companies in action, so you can develop an understanding of how the capabilities of fintech can be form the foundations of new business models. David Klein, CEO of CommonBond, and Jackie Reses, Capital Lead of Square, provide deeper insights into the evolution of fintech, and explain how their organizations effectively utilized fintech's benefits while overcoming its challenges. By the end of this module, you’ll have a better understanding of the practical applications of fintech in an organization and fintech's potential for creating new market opportunities.
In this course, you’ll learn the foundational theories behind robo-advising, crowdfunding, and marketplace lending, and how to apply these theories to optimize your investments. Professor David Musto of the Wharton School has designed this course to help you gain a practical understanding of the theoretical frameworks of Modern Portfolio Theory and Financial Technology. You’ll learn how to apply the ideas behind robo-advising and crowdfunding to better assess and leverage a more optimized portfolio while managing risks. You’ll also explore the current consumer credit landscape and learn how to utilize financial technologies in your business. You’ll analyze real-life examples by studying the cases of Square and CommonBond. By the end of this course, you’ll have honed your skills in calculating risks and returns in robo-advising and crowdfunding, and be able to assess the value of marketplace lending to achieve better returns on your investments. No prerequisites are required for this course, although "Fintech: Foundations, Payments, and Regulations" and "Cryptocurrency and Blockchain: An Introduction to Digital Currencies" from Wharton's Fintech Specialization are recommended.
