| 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. | |
| 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 |
Understand the function of financial markets in the business world. Identify the principal institutions that make up these markets. Provide a response to the interests of the parties involved in these markets. | |
| Type B | Code | Learning outcomes |
| B2 |
Collect the information they need so that they can solve problems using data and not subjective opinion, and subjecting the information at their disposal to logical analysis. | |
| Type C | Code | Learning outcomes |
| C4 |
Produce well-structured, clear and rich written texts |
| Contents |
| Topic | Sub-topic |
| LESSON 1. Introduction to financial markets | 1. Concept of financial markets 2. The financial management system, its sources, and supervisory authorities 3. The European System of Central Banks 3.1. The European Central Bank 3.2. The Bank of Spain 4. Subjects of financial markets: Financial institutions 5. Credit institutions 5.1. Concept and classes 5.2. Legal status 5.3. Reference to deposit guarantee funds 6. Insurance undertakings 6.1. Requirements 6.2. Legal forms 6.3. Employees of the insurance entrepreneur 6.4. Access to and pursuit of insurance business 7. Securities market entities 7.1. Concept, classes, and sources of regulation 7.2. The purpose of securities markets: transferable securities 7.3. The primary securities market 7.4. Official secondary securities markets 7.5. The National Securities Market Commission |
| PART ONE: BANKING LAW | |
| LESSON 2: Banking contracting in general | 1. Concept, types, and characteristics of banking contracts 2. Information and publicity duties of credit institutions 3. Banking contracting and the defence of consumers and users 4. The Customer Ombudsman for Credit Institutions 5. The Bank of Spain's claims system 6. The Commissioner for Customer Advocacy in Banking Services 7. Bank secrecy |
| LESSON 3: Banking contracts (I) | 1. The bank current account contract 1.1. Concept 1.2. Content 1.3. The cashier service 1.4. Bank transfer 1.5. Current account overdrafts 2. Bank deposits: concept and classes |
| LESSON 4: Banking contracts (II) | 1. Bank loans: concept and classes 2. The bank discount: concept, classes, and content 3. The opening of credit: concept, classes, content, and termination of the contract 4. Syndicated loans and credits |
| LESSON 5: Banking contracts (III) | 1. Bank mediation in international contracting 2. Documentary credit 2.1. Concept and sources of regulation 2.2. Classes: revocable, irrevocable, and confirmed credit. Transferable credit 3. Bank guarantees 3.1. Guarantees collected by credit institutions 3.2. Guarantees provided by credit institutions 3.3. First demand guarantees |
| LESSON 6: Bank contracts (IV) | 1. Leasing, renting, factoring, and confirming 2. Credit and debit cards 3. Rental of safe deposit boxes 4. Bank reports 5. Bank intervention in the issuance and placement of securities |
| PART TWO: INSURANCE MARKET LAW | |
| LESSON 7: The insurance contract | 1. Concept and elements 1.1. Personal and formal elements 1.2. Actual elements (risk, interest) 2. Legal status 2.1. Land insurance 2.2. Maritime insurance 2.3. Air insurance 3. Content of the contract 4. Classification |
| LESSON 8: Insurance against damage | 1. General theory 1.1. Meaning of the principle of compensation 1.2. Interest and sum insured 1.3. Subrogation of the insurer 2. Classes 2.1. Fire insurance 2.2. Insurance against theft 2.3. Land transport insurance 2.4. Loss of earnings insurance 2.5. Credit insurance 2.6. Export credit insurance 2.7. Surety insurance 2.8. Civil liability insurance 2.8.1. Concept. Nature and classes 2.8.2. Special reference to professional indemnity insurance 2.8.3. Claim made clauses 2.8.4. Compulsory insurance. Evolution and characters. Modalities 2.9. Legal expenses insurance 2.10. Reinsurance |
| LESSON 9: Personal insurance | 1. Concept and characters 2. Classification 3. Life insurance 3.1. Personal items in life insurance 3.2. Legal position of the beneficiary 3.3. Classes 3.4. Delimitation of risk. Problem of suicide 3.5. Content and effects of the contract 3.6. Redemption, reduction, and advances on the policy 4. Accident insurance 5. Health insurance 6. Health care insurance |
| PART THREE: SECURITIES MARKET LAW | |
| LESSON 10: Contracts in the stock markets | 1. Transactions on the primary market 1.1. The public offering of sale (IPO) 2. Official secondary market operations 2.1. General scheme 2.2. Trading 2.2.1 Concept and classes 2.2.2. The stock exchange commission 2.2.3. The takeover bid 2.3. Government bond market operations 2.4. Futures and options market operations |
| LESSON 11: Investment services contracts | 1. General consideration 2. The contract for the deposit and administration of securities 3. The investment portfolio management contract |
| Planning |
| Methodologies :: Tests | ||||||||||
| Competences | (*) Class hours |
Hours outside the classroom |
(**) Total hours | |||||||
| Introductory activities |
|
2 | 0 | 2 | ||||||
| Lecture |
|
31 | 98 | 129 | ||||||
| Problem solving, exercises in the classroom |
|
12 | 0 | 12 | ||||||
| Personal attention |
|
2 | 0 | 2 | ||||||
| Mixed tests |
|
5 | 0 | 5 | ||||||
| (*) 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 | Activities designed to make contact with students, collect information from them and introduce the subject. |
| Lecture | Description of the contents of the subject. |
| Problem solving, exercises in the classroom | Formulation, analysis, resolution and debate of a problem or exercise related to the topic of the subject. |
| Personal attention | Time that each teacher has to speak to pupils and resolve their doubts. |
| Personalized attention |
| Description |
|
On the first day of classes students will receive information about how and when can they contact the professors to solve queries and questions of the subject. |
| Assessment |
| Methodologies | Competences | Description | Weight | ||||
| Mixed tests |
|
There will be three mixed tests and the last one corresponds to the official date with a weight of 50%. The other tests have a weight of 25% each. | 25% 25% 50% |
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| Others |
| Other comments and second exam session | |||
|
In the second call, the test will be a single, mixed test. |
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| Sources of information |
| Basic |
A. Tapia Hermida, Derecho del mercado financiero, última edición, ed. Iustel
F. Zunzunegui, Derecho del mercado financiero, última edición, ed. Marcial Pons
Jiménez Sánchez, G. (Coord.), Derecho mercantil. La contratación el mercado de valores (T. 6), última edició, ed. Marcial Pons
Jiménez Sánchez, G. (Coord.), Derecho mercantil. La contratación bancaria (T. 7), última edició, ed. Marcial Pons
Jiménez Sánchez, G. (Coord.), Derecho mercantil. Los contratos de seguros (T. 9)il, última edició, ed. Marcial Pons
Ferrando Villalba, Mª L. (Coord.), Contratos Mercantiles (Colección Esquemas de Derecho Mercantil), edició 2010, ed. Aranzadi
Menéndez A., Lecciones de Derecho mercantil, última edició, ed. Civitas |
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| Complementary |
, Revista de Derecho Bancario y Bursátil (RDBB), ,
, Revista de Derecho Mercantil (RDM), ,
, Revista de Derecho de Sociedades (RdS), ,
, Revista Española de Seguros (RES), ,
, Cuadernos de Derecho y Comercio (CDC), ,
, Banc d'Espanya (www.bde.es), ,
, Banc Central Europeu (www.ecb.int), ,
, Comissió Nacional del Mercat de Valors (www.cnmv.es), ,
, Direcció General d'Assegurances i Fons de Pensions (www.dgsfp.mineco.es), , |
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| Recommendations |
| Subjects that continue the syllabus | ||
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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.