| Competences |
| Type A | Code | Competences Specific |
| A1 | Understand the financial system: they are familiar with the institutions, the products and markets of which it consists institutional relations and the economic environment. | |
| A6 | Draw up consultancy reports on financial, accounting and tax issues. | |
| Type B | Code | Competences Transversal |
| B2 | Effective solutions to complex problems | |
| Type C | Code | Competences Nuclear |
| C4 | Be able to express themselves correctly both orally and in writing in one of the two official languages of the URV |
| Learning outcomes |
| Type A | Code | Learning outcomes |
| A1 |
Describe and value fixed income shares. | |
| A6 |
Describe and analyze financial amortization operations Calculate the financial income from a financial share. | |
| Type B | Code | Learning outcomes |
| B2 |
Understand problems and be able to break them down into manageable parts. Find appropriate solutions. | |
| Type C | Code | Learning outcomes |
| C4 |
Produce written texts that are appropriate to the communicative situation |
| Contents |
| Topic | Sub-topic |
| Topic 1. Mathematical Reserve | 1.1. Concept 1.2. Active or retrospective reserve 1.3. Passive or prospective reserve 1.4. Graphic evolution of the reserve |
| Topic 2. Loans (I) | 2.1. Concept 2.2. Magnitudes of a loan 2.3. Classification of loans 2.4. Loans with single repayment of capital 2.5. Amortizable loan by the French system 2.6. Amortizable loan by the German system 2.7. Amortizable loan by the American system |
| Topic 3. Loans (II) | 3.1. Financial leasing 3.2. Indexed loans 3.2.1. Indexed loans with a predetermined number of periods at the start of the operation 3.2.2. Indexed loans with a non-prefixed number of periods: Fixed payment loans 3.3. Loans with a grace period 3.3.1. Loans with a total grace period 3.3.2. Loans with a partial grace period 3.4. Early repayment of loans 3.4.1. Early partial repayment 3.4.2. Full repayment or early cancellation 3.5. Cost of loans 3.6. Value, usufruct and ownership in loans |
| Topic 4. Fixed income assets | 4.1. Concept and classification 4.2. Value, price and profitability 4.3. Short-term fixed income assets 4.4. Long-term fixed income assets 4.4.1. With periodic coupon 4.4.2. Zero coupon |
| Planning |
| Methodologies :: Tests | ||||||||||
| Competences | (*) Class hours |
Hours outside the classroom |
(**) Total hours | |||||||
| Introductory activities |
|
2 | 0 | 2 | ||||||
| Lecture |
|
22 | 38 | 60 | ||||||
| Problem solving, exercises |
|
30 | 52 | 82 | ||||||
| Personal attention |
|
2 | 0 | 2 | ||||||
| Practical tests |
|
4 | 0 | 4 | ||||||
| (*) On e-learning, hours of virtual attendance of the teacher. (**) The information in the planning table is for guidance only and does not take into account the heterogeneity of the students. | ||||||||||
| Methodologies |
| Description | |
| Introductory activities | Presentation of the objectives, content, methodology and evaluation of the subject. |
| Lecture | Approach to the fundamental concepts of financial operations of amortization and fixed income assets. Analysis of the magnitudes of financial amortization operations and fixed income assets. Study of the profitability/cost of amortization financial operations and fixed income assets. |
| Problem solving, exercises | Solving problems based on statements provided to the student. |
| Personal attention | Theoretical and practical questions related to the subject will be solved during the student attention hours. |
| Personalized attention |
| Description |
|
During student attention hours and in the teacher's office, theoretical and practical issues related to the subject will be resolved. |
| Assessment |
| Methodologies | Competences | Description | Weight | ||||
| Practical tests |
|
Theoretical and practical tests: Test 1 (1st call): Subjects 1 and 2 Test 2 (1st call): Subjects 1, 2 and 3 Test 3 (1st call): Subjects 1, 2, 3 and 4 Single Test (2nd call): Subjects 1, 2, 3 and 4 |
Test 1 (1st conv.): 10% Test 2 (1st conv.): 20% Test 3 (1st conv.): 70% Single test (2nd conv.): 100% |
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| Others |
| Other comments and second exam session | |||
|
Test 1 and test 2 of the 1st call will be held during the academic period; test 3 of the 1st call will take place during the assessment period of the 1st call on the date set in the exam calendar published in the teaching guide. In the 2nd call, the qualification will be obtained exclusively from the single test of the 2nd call and the result of any of the tests carried out in the 1st call will not be taken into account. The date of this test corresponds to that fixed in the exam calendar of the 2nd call published in the teaching guide. |
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| Sources of information |
| Basic |
TERCEÑO, A.; SÁEZ, J.; BARBERÀ, M.G.; ORTÍ, F.; DE ANDRÉS, J.; BELVIS, C. , Matemática financiera, Madrid, Pirámide., 1997
ALEGRE, P.; BORRELL, M.; BADÍA, C.; SANCHO, T. , Ejercicios resueltos de matemática de las operaciones financieras, Madrid, AC, 1995
MENEU, V.; JORDÀ, M.P.; BARREIRA, M.T. , Operaciones financieras en el mercado español, Barcelona, Ariel, 1994
RODRÍGUEZ RODRÍGUEZ, A. , Matemática de la financiación, Barcelona, Ediciones S, 1994 |
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| Complementary | |||||||||
| Recommendations |
| Subjects that continue the syllabus | ||
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| Subjects that it is recommended to have taken before | ||
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(*)The teaching guide is the document in which the URV publishes the information about all its courses. It is a public document and cannot be modified. Only in exceptional cases can it be revised by the competent agent or duly revised so that it is in line with current legislation.