finance law take home examination金融法回家考试作业Coursework问题
论文作者:留学生论文论文属性:课程作业 Coursework登出时间:2013-12-03编辑:anne点击率:4598
论文字数:535论文编号:org201312031025068145语种:英语 English地区:澳大利亚价格:免费论文
关键词:finance lawtake home examination金融法回家考试作业Coursework问题
摘要:澳洲 latrobe university:There are detailed instructions about this examination (including due date, how to submit, word limit, etc) posted on the FLA subject site on the LMS.
论文题目:finance law take home examination
论文语言:
英语论文 English
论文专业:finance
字数:200-300
学校国家:澳大利亚
是否有数据处理要求:否
您的学校:澳洲 latrobe university
论文用于:BA Coursework 本科课程作业
补充要求和说明:
Instructions
There are detailed instructions about this examination (including due date, how to submit, word limit, etc) posted on the FLA subject site on the LMS.
Students must answer all questions.
Question 1
Amelia is an engineer and wants to set up her own engineering business. There is a small bank that has just opened up in her area – No Red Tape Bank (‘NRT Bank’). On 31 August she sees the managing director of NRT Bank, Madison, and discusses with Madison the amount of borrowed funds Amelia thinks she will need for her business. They discuss different types of loans and Madison says that a simple loan of $200,000 repayable in 3 years would be the best type of loan for what Amelia wants to do. Amelia says that she doesn’t want to pay high fees for the loan. Madison says ‘I’ll see what we can do’. Later that day Madison telephones Amelia and leaves a message on Amelia’s answering machine. Madison says ‘I just wanted to update you and let you know that I’ve had discussions with our lending team and it seems the bank can provide you with a current account and a loan of $200,000 repayable at the expiration of three years. What do you think about that proposal?’. 阿梅利亚是一名工程师,并希望建立自己的工程业务。有一个小银行刚刚揭开了她的面积 - 没有繁文缛节银行(' NRT银行」) 。 8月31日,她看到NRT银行,麦迪逊的董事总经理,并与麦迪逊讨论借入资金的阿梅利亚认为她需要为她的业务量。他们讨论了不同类型的贷款和麦迪逊说, 20万元的借款期限为三年一个简单的贷款将贷款用于阿梅利亚想要做什么是最好的类型。阿米莉亚说,她不希望支付高额费用的贷款。麦迪逊说: “我去看看我们能做些什么” 。当天晚些时候,麦迪逊电话阿梅利亚和留下消息在阿米莉亚的答录机。麦迪逊说: “我只是想更新你,让你知道,我已经与我们的贷款团队的讨论,似乎银行可以为您提供一个活期账户和20万元偿还了三年到期的贷款。你认为有关建议? “ 。
Amelia thinks she can get a better deal elsewhere but she finds that in fact no one else will lend to her. So two weeks later on 14 September Amelia emails Madison and states ‘I accept your offer of 31 August’. Amelia used to bank at Big Bank and on 12 September the branch manager of Big Bank had told Madison that Amelia was always writing cheques to pay the local casino. After hearing this Madison decided that the bank would not lend to Amelia. She does not tell Amelia this. Amelia comes down to see Madison on 15 September to discuss when the loan will be available. At this point Madison tells Amelia that the bank has decided not to lend to Amelia but the bank is happy to open a current account for her. 阿米莉亚认为她可以得到一个更好的交易在其他地方,但她发现,其实没有人会借钱给她。所以两个星期后的9月14日阿米莉亚电子邮件麦迪逊并指出:“我接受你的提议8月31日” 。阿米莉亚用于银行在大银行和9月12日大银行的分行经理曾告诉麦迪逊阿米莉亚总是写支票支付当地的赌场。听完这个麦迪逊决定,银行不会贷款给阿梅利亚。她并没有告诉阿梅利亚这一点。阿米莉亚归结为看麦迪逊9月15日,讨论的时候,贷款将可用。此时麦迪逊告诉阿梅利亚,该行已决定不借钱给阿梅利亚但银行很乐意为开一个活期存款帐户给她。
(a) Ignoring legislation or codes of conduct, advise Amelia as to whether or not NRT Bank is obliged to provide her with a loan of $200,000. [6 marks]
(b) Advise Amelia if she has any rights against Big Bank. [1.5 marks]
(c) Advise NRT Bank as to whether Amelia has become a customer of the bank.
[1.5 marks]
(d) In your own words explain to Amelia what is a current account. [1 mark]
[10 marks]
Question 2
Lucky Ltd is a customer of Wealthy Bank. It is a very large company and employs more than 100 people and therefore the Code of Banking Practice does not apply
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