lOMoARcPSD|6737289
, lOMoARcPSD|6737289
Bank &
verzekeringen
samenvatting
Inhoudsopgave
H1: HET BELGISCH FINANCIEWEZEN........................................................................................................................1
1. FINANCIËLE SECTOR: IN BREDE ZIN...........................................................................................................................................................1
2. BETALINGSINSTELLINGEN EN EGI..............................................................................................................................2
3. MONETAIRE OVERHEID..............................................................................................................................................................................3
4. CONTROLERENDE INSTELLINGEN...............................................................................................................................................................3
5. CENTRALES..................................................................................................................................................................................................5
6. BEROEPSVERENIGINGEN EN OVERLEGORGANEN......................................................................................................................................5
7. OMBUDSDIENSTEN.....................................................................................................................................................................................6
8. GARANTIEFONDS EN BESCHERMINGSFONDS............................................................................................................................................6
9. BEMIDDELAARS EN TUSSENPERSONEN......................................................................................................................................................6
H2: KI EN INTERMEDIATIE........................................................................................................................................7
1. FINANCIËLE INTERMEDIATIE.......................................................................................................................................................................7
2. RESULTATENREKENING BANK.....................................................................................................................................................................9
3. BALANS BANK..............................................................................................................................................................................................9
4. INTERMEDIATIE ONDER DRUK.................................................................................................................................................................10
H3: KI EN BETALINGEN...........................................................................................................................................11
1. EVOLUTIE BETAALMIDDELEN...................................................................................................................................................................11
2. CHARTAAL GELD.......................................................................................................................................................................................11
3. GIRAAL GELD............................................................................................................................................................................................12
4. SEPA................................................................................................................................................................12
5.PSD = PAYMENT SERVICES DIRECTIVE..................................................................................................................................................13
6. ZICHTREKENING........................................................................................................................................................................................13
7. OVERSCHRIJVING......................................................................................................................................................................................15
8. DEBETKAART.............................................................................................................................................................................................15
9. KREDIETKAART..........................................................................................................................................................................................16
10. PREPAIDKAART.......................................................................................................................................................................................16
11. PAYCONIQ..............................................................................................................................................................................................16
12. DIGITAAL GELD......................................................................................................................................................................................17
H4: KI EN DIENSTEN................................................................................................................................................17
1. ALGEMEEN................................................................................................................................................................................................17
1.2.................................................................................................................................off-balance activiteiten
17
2. BANKVERZEKERING..................................................................................................................................................................................17
3. WISSELVERRICHTINGEN...........................................................................................................................................................................17
4. VERHUUR BANKSAFES..............................................................................................................................................................................18
5. SLAPENDE REKENING...............................................................................................................................................................................18
6. NALATENSCHAPSDOSSIER........................................................................................................................................................................18
7. DIENSTEN OP DE KAPITAALMARKT..........................................................................................................................................................18
8. EFFECTENREKENING.................................................................................................................................................................................18
9. PRIVATE BANKING....................................................................................................................................................................................19
10. ADVIES...................................................................................................................................................................................................19
11. CROWDFUNDINGPLATFORM.................................................................................................................................................................19
12. BEMIDDELEN BIJ LEASING.....................................................................................................................................................................19
, lOMoARcPSD|6737289
13. BEMIDDELEN BIJ FACTORING................................................................................................................................................................19
1
14. LOGISTIEKE STEUN INTERNE HANDEL...................................................................................................................................................19
H5: START TO INVEST.............................................................................................................................................20
1. FINANCIËLE BASISKENNIS.........................................................................................................................................................................20
2. LIQUIDE BUFFER.......................................................................................................................................................................................20
3. FISCAAL SPAREN.......................................................................................................................................................................................21
6.VERGELIJK PRODUCTFICHES.....................................................................................................................................................................23
H6: RISICOLOZE SPAARPRODUCTEN......................................................................................................................25
1. SPAARREKENING.......................................................................................................................................................................................25
BEPERKTE FISCALE VRIJSTELLING................................................................................................................................................................26
2. TERMIJNREKENING OF TERMIJNDEPOSITO.............................................................................................................................................28
3. KASBON.....................................................................................................................................................................................................28
H7: AANDELEN........................................................................................................................................................30
1. OMSCHRIJVING.........................................................................................................................................................................................30
2. RENDEMENT.............................................................................................................................................................................................30
3. HOE KOPEN: AANDEELMARKTEN............................................................................................................................................................31
4. BEURSORDER............................................................................................................................................................................................32
5. BEURSKOSTEN..........................................................................................................................................................................................32
6. TIPS VOOR BEGINNENDE AANDELENBELEGGERS....................................................................................................................................33
7. BEURSINDEXEN.........................................................................................................................................................................................33
H8: OBLIGATIES.......................................................................................................................................................33
1. OMSCHRIJVING.........................................................................................................................................................................................33
2. OBLIGATIES KOPEN (OBLIGATIEMARKTEN)................................................................................................................34
3. RISICO’S....................................................................................................................................................................................................35
4. OPBRENGST..............................................................................................................................................................................................36
5. PRO EN CONTRA.......................................................................................................................................................................................36
6. OBLIGATIES VS AANDELEN.......................................................................................................................................................................36
H9: BELEGGINGSFONDSEN & CO...........................................................................................................................38
1. OMSCHRIJVING.........................................................................................................................................................................................38
2. SCHEMATISCHE VOORSTELLING...............................................................................................................................................................38
, lOMoARcPSD|6737289
2
, lOMoARcPSD|6737289
Bank &
verzekeringen
samenvatting
Inhoudsopgave
H1: HET BELGISCH FINANCIEWEZEN........................................................................................................................1
1. FINANCIËLE SECTOR: IN BREDE ZIN...........................................................................................................................................................1
2. BETALINGSINSTELLINGEN EN EGI..............................................................................................................................2
3. MONETAIRE OVERHEID..............................................................................................................................................................................3
4. CONTROLERENDE INSTELLINGEN...............................................................................................................................................................3
5. CENTRALES..................................................................................................................................................................................................5
6. BEROEPSVERENIGINGEN EN OVERLEGORGANEN......................................................................................................................................5
7. OMBUDSDIENSTEN.....................................................................................................................................................................................6
8. GARANTIEFONDS EN BESCHERMINGSFONDS............................................................................................................................................6
9. BEMIDDELAARS EN TUSSENPERSONEN......................................................................................................................................................6
H2: KI EN INTERMEDIATIE........................................................................................................................................7
1. FINANCIËLE INTERMEDIATIE.......................................................................................................................................................................7
2. RESULTATENREKENING BANK.....................................................................................................................................................................9
3. BALANS BANK..............................................................................................................................................................................................9
4. INTERMEDIATIE ONDER DRUK.................................................................................................................................................................10
H3: KI EN BETALINGEN...........................................................................................................................................11
1. EVOLUTIE BETAALMIDDELEN...................................................................................................................................................................11
2. CHARTAAL GELD.......................................................................................................................................................................................11
3. GIRAAL GELD............................................................................................................................................................................................12
4. SEPA................................................................................................................................................................12
5.PSD = PAYMENT SERVICES DIRECTIVE..................................................................................................................................................13
6. ZICHTREKENING........................................................................................................................................................................................13
7. OVERSCHRIJVING......................................................................................................................................................................................15
8. DEBETKAART.............................................................................................................................................................................................15
9. KREDIETKAART..........................................................................................................................................................................................16
10. PREPAIDKAART.......................................................................................................................................................................................16
11. PAYCONIQ..............................................................................................................................................................................................16
12. DIGITAAL GELD......................................................................................................................................................................................17
H4: KI EN DIENSTEN................................................................................................................................................17
1. ALGEMEEN................................................................................................................................................................................................17
1.2.................................................................................................................................off-balance activiteiten
17
2. BANKVERZEKERING..................................................................................................................................................................................17
3. WISSELVERRICHTINGEN...........................................................................................................................................................................17
4. VERHUUR BANKSAFES..............................................................................................................................................................................18
5. SLAPENDE REKENING...............................................................................................................................................................................18
6. NALATENSCHAPSDOSSIER........................................................................................................................................................................18
7. DIENSTEN OP DE KAPITAALMARKT..........................................................................................................................................................18
8. EFFECTENREKENING.................................................................................................................................................................................18
9. PRIVATE BANKING....................................................................................................................................................................................19
10. ADVIES...................................................................................................................................................................................................19
11. CROWDFUNDINGPLATFORM.................................................................................................................................................................19
12. BEMIDDELEN BIJ LEASING.....................................................................................................................................................................19
, lOMoARcPSD|6737289
13. BEMIDDELEN BIJ FACTORING................................................................................................................................................................19
1
14. LOGISTIEKE STEUN INTERNE HANDEL...................................................................................................................................................19
H5: START TO INVEST.............................................................................................................................................20
1. FINANCIËLE BASISKENNIS.........................................................................................................................................................................20
2. LIQUIDE BUFFER.......................................................................................................................................................................................20
3. FISCAAL SPAREN.......................................................................................................................................................................................21
6.VERGELIJK PRODUCTFICHES.....................................................................................................................................................................23
H6: RISICOLOZE SPAARPRODUCTEN......................................................................................................................25
1. SPAARREKENING.......................................................................................................................................................................................25
BEPERKTE FISCALE VRIJSTELLING................................................................................................................................................................26
2. TERMIJNREKENING OF TERMIJNDEPOSITO.............................................................................................................................................28
3. KASBON.....................................................................................................................................................................................................28
H7: AANDELEN........................................................................................................................................................30
1. OMSCHRIJVING.........................................................................................................................................................................................30
2. RENDEMENT.............................................................................................................................................................................................30
3. HOE KOPEN: AANDEELMARKTEN............................................................................................................................................................31
4. BEURSORDER............................................................................................................................................................................................32
5. BEURSKOSTEN..........................................................................................................................................................................................32
6. TIPS VOOR BEGINNENDE AANDELENBELEGGERS....................................................................................................................................33
7. BEURSINDEXEN.........................................................................................................................................................................................33
H8: OBLIGATIES.......................................................................................................................................................33
1. OMSCHRIJVING.........................................................................................................................................................................................33
2. OBLIGATIES KOPEN (OBLIGATIEMARKTEN)................................................................................................................34
3. RISICO’S....................................................................................................................................................................................................35
4. OPBRENGST..............................................................................................................................................................................................36
5. PRO EN CONTRA.......................................................................................................................................................................................36
6. OBLIGATIES VS AANDELEN.......................................................................................................................................................................36
H9: BELEGGINGSFONDSEN & CO...........................................................................................................................38
1. OMSCHRIJVING.........................................................................................................................................................................................38
2. SCHEMATISCHE VOORSTELLING...............................................................................................................................................................38
, lOMoARcPSD|6737289
2
