Principles of Finance
本课程是金融学专业的入门基础课，系统介绍金融学的基本概念、理论框架和核心工具。课程内容涵盖货币的时间价值、风险与收益的权衡、金融市场与机构概述、利率决定机制、以及基本的投资决策方法。通过案例分析和计算练习，学生将掌握贴现现金流模型、资产估值原理等金融学核心工具，为后续专业课程学习奠定坚实基础。
This introductory course provides a comprehensive foundation in finance. It covers the time value of money, risk-return tradeoff, financial markets and institutions, interest rate determination, and basic investment decision-making. Through case studies and computational exercises, students master discounted cash flow models and asset valuation principles, building essential skills for advanced finance coursework.
学生需要为一个模拟家庭制定一份5年期个人理财规划，包括收入支出分析、应急基金设置、债务管理、教育金与退休金储蓄计划。运用货币时间价值原理计算各项目标所需的月储蓄额，设计合理的资产配置方案，并说明风险承受能力与投资选择的匹配关系。
Students develop a 5-year personal financial plan for a simulated household, including income-expense analysis, emergency fund setup, debt management, and education/retirement savings. Using time value of money principles, they calculate monthly savings requirements, design asset allocation strategies, and align investment choices with risk tolerance.