ࡱ>    ` 3bjbj \*H H H H H H H $l PhLl C:>>>: $%hн-H 555нH H >>h5pH >H >5RH H z> hhn?0Cг77<z7H zDhpJ<?ннXC5555l 00J]$-l 00]l l l H H H H H H   Certificate IV Professional Practices in Finance Assessment Task Cover Sheet Students Name:Employer: Please complete and check all shaded sections before mailing to the College. Make sure this cover sheet is securely attached to your Assessment Task. Please (() the type of submission (Full Submission Partial Submission Resubmission Course You Are Enrolled in (() Financial Services partial completion of: FNSICIND401AFull completion of this unit requires completion of the Working in Finance and the Compliance Assessment Tasks  Participant Declaration: I declare that the material contained in this Assessment Task is my own work. XStudents Signature: / / Supervisors Declaration: I verify that the material provided in the attached Assessment Task is the original work of the participant. XSupervisors Signature: Supervisors Name:  / / College Use: Comments Code: Assessment Result: % Competent % Competence not yet demonstrated Work-skills VerificationPart APart BPart CPart DPart EPart F Part G Assessed By: Signature:Assessed By: Name: / / Workplace Skills Verification Students: Please self-assess your skills in the listed areas on the following checklist. Trainees please have your workplace supervisor complete the Checklist to provide their view on whether you have demonstrated the required skills. If either of you feel you have not yet acquired the skills and would like assistance please contact the College. Work Skills ChecklistEmployeeSupervisorEmployee has a broad understanding of the financial services industry and is aware of how other parts of the industry impact this business((Employee has a good understanding of the products and services provided in the sector((Employee understands and applies the relevant legislation, regulations and industry codes of practice ((Employee prepares information in a format suitable for its purposes ((Work is planned for a given period managing resources, time and priorities((Employee has the ability to analyse, evaluate and organise relevant information((Employee has the ability to plan work taking into account any constraints and available resources((Employee has the ability to identify and evaluate professional development opportunities((Other relevant skills demonstrated:(((( I verify that I have observed the skills and actions as listed above. Supervisors Name:Supervisors SignatureDate:Contact Day Time Ph:Students Name:Students Signature: Assessment Task Part A - Financial Markets in Australia Refer to section 1 in the workbook to answer the following questions  Q1. List the 3 components of the financial system in Australia 1.  2.  3.  Q2. UNSCAMBLE THE WORDS: Financial intermediaries play a critical role in the economy because they provide: a) T P A Y N M E V I C S E R E S  b) E R O F F S V I A N G S P D U R O C T S  c) A N L O S  d) M A G A N E S K R I  Q3. Explain what an interest margin is, and what it is used to pay for:      Q4. Identify what type of organisation the one you work for is, who is its main regulatory body, and its main products. (The main types of organisations are listed in table 1.5 in the workbook, otherwise research this at your workplace.) Type:  Regulatory Body:  Products:    Q5. Give an example of how the 4 sectors in the financial services industry inter-relate: the banking sector; non-banking sector; fund managers and insurers and support services. In your answer consider describe how they work with one another and/or compete with one another, and explain how this affects the organisation you work for.               Assessment Task Part B Competition and Diversification Refer to section 2 in the workbook to answer the following questions  Q6. Identify 3 reasons why there has been greater competition in the financial services sector in the last 20 years. Select the three that you feel have had greatest impact of your organisation. 1.   2.   3.   Q7. Identify a relevant industry or professional body that may be a source of information for the type of business you work in. Include their internet address. Body:  Internet address:  Q8. Give an example of a financial services organisation that has diversified from its standard product range into another product range. Why do you think it has done this?      Assessment Task Part C Economic Environment Refer to section 3 in the workbook to answer the following questions  Q9. Which of the following best describes the economic impact on consumers in a boom period? a) weak economic growth means higher levels of unemployment b) strong economic growth means lower levels of unemployment c) a slowing economy d) a recovering economy with increasing consumer spending Q10. Identify how economic factors may impact your organisation.      Q11. TRUE or FALSE Inflation is measured by movements in the price of a set basket of goods and services called the Consumer Price Index. True False Q12. TRUE or FALSE If the price of eggs went up due to the price of chicken feed becoming more expensive (due to the drought) this would be called Cost Push Inflation. True False Q13. Match up these economic management tools: a) Monetary Policy1. activity to influence interest rates, economic expectations and trading conditionsb) Fiscal Policy2. government budget expenditure aimed at stimulating or slowing economic growth Assessment Task Part D Interest Rates Refer to section 4 in the workbook to answer the following questions  Q14. Add your age to 10000. eg 39 + 10 000 = 10 039 Your number: _______________ Calculate interest using the simple interest formula for a Term Deposit of be dollar amount that you calculate above, that pays interest at the end of 6 months (182 days) at the rate of 5%. Show your calculations. Q15. Explain what factors may influence the interest rates a financial institution sets for its products.      Q16. TRUE or FALSE It is possible to accurately predict interest rates True False Assessment Task Part E Taxation Refer to section 5 in the workbook to answer the following questions  Q17. Explain what withholding tax is in the context of it being charged against interest earned on a savings account.      Q18. Identify a taxation issue that applies to customers who use your products. Explain why it affects them. Note if you are a service provider your customers may often include businesses who pay for your services.      Assessment Task Part F - Risk Refer to section 6 in the workbook to answer the following questions  Q19. TRUE or FALSE Market risk refers to the risk of the value of financial assets like shares going up and down dramatically over a short period such as a year. True False Q20. TRUE or FALSE Inflation risk particularly applies to low interest bearing accounts such as savings accounts and term deposits as the inflation rate may be greater than the interest rate on these products. True False Q21. TRUE or FALSE Exposure Risk is where you invest all of your assets into one financial product such as buying investment properties, rather than invest in different types of financial products to spread the risk. True False Q22. Review the information on risk profiles, and read the articles provided and identify the type of profile you should personally adopt and explain why.       Q23. True or False If you wanted an investment type that offered liquidity (easy access to your funds) and you needed low market risk (volatility), and the rate of return was not greatly important a Cash Fund or a Term Deposit would be a viable option. True False Q24. True or False If you wanted an investment type that offered high potential returns over the long term, with some possibility of cashing it in, in an emergency, then managed funds or shares would be a viable option. True False Assessment Task Part G Workplace Information Refer to section 7 in the workbook to answer the following questions  Q25. True or False Information for strategic decisions is primarily gathered from external sources. True False Q26. True of False Programmed decisions are those that happen frequently enough that we can have rules in place so they can be dealt with routinely. True False Q27. For your workplace identify a potential situation that has a programmed decision.    Q28. For your workplace identify a potential situation that has a non-programmed decision ie is a one-off or unique situation.    Q29. Prepare a table that presents some information from your workplace in a logical and well structured manner. See the table on page 64 in the workbook as a sample. Examples may be: sales results; transactions; stock. Attach your document labelled Q29. Q30. Explain what you have done to present the information in Q29 in a logical and well presented manner.     Q31. You are required to prepare a Professional Development Plan for yourself. The Plan must address the following content: Any new technology or processes you should learn Any licensing requirements for your role How you will keep up to date with compliance obligations How you keep your job skills and knowledge up to date Learning needs for the next step in your career. 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