國立中興大學教學大綱
課程名稱 (中) 貨幣銀行學(2555)
(Eng.) Money and Banking
開課單位 創經學程
課程類別 選修 學分 2 授課教師 曾麗文
選課單位 創經學程 / 進修學士班 授課使用語言 中文 開課學期 1142
課程簡述 本課程旨在導引學習者深入瞭解貨幣、銀行體系與金融市場之運作機制,建立系統化的總體經濟與金融決策分析能力。課程核心聚焦於貨幣的功能與演進、利息理論及其期限結構、金融中介機構的運作邏輯,以及中央銀行在貨幣政策執行中的角色。透過理論架構的建置,探討金融體系與實體經濟間的互動關係,掌握貨幣供給與需求變動對市場利率、通膨壓力及總體經濟穩定之影響。
課程說明部分強調金融市場效率性與風險控管之重要性。內容由貨幣的基本職能切入,接續探討債券市場與利率決定理論,並延伸至銀行業的經營管理與風險評估。此外,亦將針對數位金融浪潮下電子貨幣之發展、金融法規的監理架構,以及全球化環境下的國際金融體系變革進行深度剖析。透過課堂講解與實務案例之研討,協助學習者解析當前金融政策的決策動機及其對產業經營環境之外部影響。
教學目的則著重於培養具備財金素養與批判思考能力的專業人才。首先,期望學習者能精確運用貨幣數量學說及各項經濟指標,量化分析市場變動對企業營運之衝擊。其次,透過對銀行資產負債管理與中央銀行公開市場操作之理解,強化對金融穩定度及流動性風險之敏感度。最後,本課程致力於深化對金融倫理與全球金融制度之認知,使其具備在變動不居的全球經濟脈絡中,做出嚴謹且符合法規精神之決策判斷,進而提升跨領域的財經專業競爭力。

This course is designed to provide learners with an in-depth exploration of the theoretical foundations and practical operations of money, banking, and financial markets, aiming to establish systematic analytical capabilities in macroeconomics and financial decision-making. The core curriculum focuses on the functions and evolution of money, interest rate theories and their term structure, the operational logic of financial intermediaries, and the critical role of central banks in the execution of monetary policy. Through the construction of theoretical frameworks, the course examines the interactions between the financial system and the real economy, enabling learners to grasp how fluctuations in money supply and demand influence market interest rates, inflationary pressures, and macroeconomic stability.
The course description emphasizes the significance of financial market efficiency and risk management. The content initiates with the fundamental functions of money, followed by an investigation into bond markets and interest rate determination theories, and extends to the management and risk assessment of the banking industry. Furthermore, the curriculum provides a profound analysis of the development of electronic money amidst the digital finance wave, financial regulatory frameworks, and transformations within the international financial system under globalization. Through classroom lectures and empirical case studies, the course assists learners in deciphering the motivations behind contemporary financial policies and their external impact on the industrial business environment.
The educational objectives center on cultivating professional practitioners equipped with financial literacy and critical thinking skills. First, learners are expected to accurately utilize monetary theories and various economic indicators to quantitatively analyze the impact of market volatility on corporate operations. Second, by understanding bank asset-liability management and central bank open market operations, the course seeks to enhance sensitivity toward financial stability and liquidity risks. Finally, the curriculum is committed to deepening the understanding of financial ethics and global financial systems, preparing individuals to make rigorous and compliant decision-making judgments within a volatile global economic context, thereby enhancing cross-disciplinary professional competitiveness in finance and economics.
先修課程名稱
課程與核心能力關聯配比(%) 課程目標之教學方法與評量方法
課程目標 核心能力 配比(%) 教學方法 評量方法
1.掌握貨幣金融理論與實務架構
Framework of Monetary Theory and Practice
2.深化利息理論與金融工具分析能力
Analysis of Interest Rates and Financial Instruments
3.解析中央銀行與貨幣政策傳導機制
Central Banking and Monetary Policy Transmission
4.評估金融中介運作與風險控管
Financial Intermediation and Risk Management
5.掌握數位金融變革與全球金融趨勢
Digital Finance and Global Financial Trends
專題探討/製作
討論
講授
書面報告
出席狀況
作業
測驗
授課內容(單元名稱與內容、習作/每週授課、考試進度-共16週加自主學習)
週次 授課內容
第1週 貨幣的重要性
The Importance of Money
第2週 金融體系概論
An Overview of the Financial System
第3週 金融中介
Financial Intermediation
第4週 利率的行為
The Behavior of Interest Rates
第5週 銀行的種類、結構與整合
Banking Categories, Structures, and Consolidation
第6週 商業銀行的業務與風險
Commercial Banking: Operations and Risk Management
第7週 存款貨幣的創造
Creation of Deposit Money
第8週 金融市場報告
Financial Market Report
第9週 中央銀行及貨幣供給額的決定
Central Banking and the Determination of Money Supply
第10週 貨幣政策工具與操作
Monetary Policy Tools and Operations
第11週 貨幣政策的目標與執行
Monetary Policy: Objectives and Execution
第12週 貨幣需求理論
The Demand for Money Theories
第13週 IS/LM模型中的財政與貨幣政策
Fiscal and Monetary Policy in the IS-LM Model
第14週 貨幣與通貨膨脹
Money and Inflation
第15週 外匯市場與貨幣政策
Foreign Exchange Markets and Monetary Policy
第16週 期末考
Final Examination

期末報告
Final Report
自主學習
內容
   02.閱覽產業及學術相關多媒體資料
   03.製作專題報告
金融與投資市場新聞,閱讀寫成心得報告
學習評量方式
出席率 30% Attendance Rate: 30%
金融新聞心得 20% Reflections on Financial News:20%
期末考試 /期末報告 50% Final Examination / Final Report: 50%
補救措施: Remedial Measures:
證照加分項 Bonus Points for Certifications
期末報告 Final Report
教科書&參考書目(書名、作者、書局、代理商、說明)
教科書 Textbooks
1.貨幣銀行學原理(第八版),黃昱程,華泰文化,2025年7月。
Huang, Y. C. (2025). Principles of Money and Banking (8th ed.). Hwa Tai Publishing.
2.貨幣銀行學(第十四版),李榮謙,智勝文化,2023年9月。
Lee, R. C. (2023). Money and Banking (14th ed.). Best-Wise Publishing.

參考書目 References
1.貨幣銀行學概論(第七版),黃志典,華泰文化,2024年5月。
Huang, C. T. (2024). Introduction to Money and Banking (7th ed.). Hwa Tai Publishing.
2.貨幣銀行學(第四版),李怡庭,雙葉書廊,2021年7月。
Lee, I. T. (2021). Money and Banking (4th ed.). Yeh Yeh Book.
3.貨幣銀行學(第十三版),Frederic S. Mishkin,華泰文化,2023年2月。
Mishkin, F. S. (2023). The Economics of Money, Banking and Financial Markets (13th ed.). Hwa Tai Publishing. 4.貨幣銀行學原理:全球的觀點(第六版),沈中華,新陸書局,2019年9月。
Shen, C. H. (2019). Principles of Money and Banking: A Global Perspective (6th ed.). Shin Lou Book.
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