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所在平台: Udemy |
课程主页: https://www.udemy.com/course/personal-finance-4-credit-sources-costs-pros-cons/
课程评论：没有评论
《个人理财 #4-信用：来源、成本、优缺点》课程总结 本课程专注于帮助学习者做出与债务和信用相关的个人财务决策。 **课程核心内容：** * **信用概览：** 深入了解使用信用的优势和劣势，以及与之相关的成本。 * **信用术语：** 掌握诸如封闭式信用、开放式信用以及不同类型的贷款。 * **金融机构：** 理解金融机构的定义，不同类型金融机构的运营模式差异，以及如何根据个人债务需求选择最合适的金融机构。 * **信用评估：** 学习影响个人信用获取能力的因素，特别是“信用五 C”：品德 (Character)、能力 (Capacity)、资本 (Capital)、抵押品 (Collateral) 和条件 (Conditions)。 * **法律法规：** 了解《平等信用机会法》(ECOA)。 * **信用被拒后的选择：** 探讨在面临信用被拒时可行的应对方案。 * **信用成本与决策：** 剖析信用成本、贷款组成部分以及在信用决策中需要权衡的因素。 * **利息计算：** 掌握利息计算方法，这是理解个人理财和做出有利财务决策的关键。 **学习方式：** 课程包含实例问题以加深理解，并提供包含可下载 Excel 工作簿的练习题。这些工作簿可在 Google Sheets 中打开，通常包含至少两个工作表：答案详解表，供学习者拆解问题；以及同步教学视频的练习过程表。
This course will focus on tools to help with personal financial decisions related to debt and credit.Learners will understand the advantages and disadvantages of using credit, as well as the associated costs of using credit.We will discuss credit-related terms like closed-end credit, open-end credit, and different loan types. Learners will also understand what financial institutions are, the differences in how different types of financial institutions operate, and which financial institutions may be best for their personal debt-related needs.The course will cover factors that generally have an impact on an individual's ability to access credit, including the 5 C's of credit capacity:1. Character2. Capacity3. Capital4. Collateral5. ConditionsLearners will learn about the equal credit opportunity act (ECOA). We will also discuss options for an individual if denied credit.The course will discuss credit costs, loan components, and trade-offs when making credit-related decisions.We will also look at interest calculation methods, a critical topic for understanding personal financing and making beneficial financial decisions.The course will include example problems to make concepts more concrete.It will also have practice problems, including downloadable Excel Workbooks, which users may also open using Google Sheets.The Excel Workbooks will generally have at least two tabs. One tab will have the answer key so learners can deconstruct the problem. The second tab is where we work the practice problem step-by-step along with the instructional videos.
