1. 歐盟法與生命文化 (二) 第七單元 EU finance policies and crisis management Ideas for a new strategy of growth for Europe and Asia! 授課教師： Mr. Dieter Lutzenberger 1 【本著作除另有註明外，採取創用 CC 「姓名標示 －非商業性－相同方式分享」臺灣 3.0 版授權釋出】創用 CC 「姓名標示 －非商業性－相同方式分享」臺灣 3.0 版

2. Contents of crash course  Germany and Taiwan: Where are their risks in export business?  Stop Casino Business! Dirty Profits Short sales  Ideas for a new strategy of growth. 2

3. Welcome to Crash Course in International Bank Business! Introduction of my person and my work  Name: Dieter Lutzenberger  Diploma: Studies at the German Savings Bank Academy Bonn, Bremen and London  Current Position: Retirement. Guest-speaker:  in Taiwan: National Taiwan University, Taipei and National Chiao Tung University, Hsin-Chu. in Germany: Baden-Wuerttemberg Cooperative State University, Karlsruhe.Goethe-Institute, Taipei: Teacher of German business communication. 3

4. Welcome to Crash Course in International Bank Business! Introduction of my person and my work  Professional Experience:  Former Senior Vice President, Landesbank Baden-Württemberg, Stuttgart, Germany. Responsible for international commercial business.  Member of the European Banking Association (EBA) Clean Payment Working Group in Paris, France.  Member of the Society for Worldwide Interbank Financial Telecommunication (S.W.I.F.T.), International Payment Working Group in Brussels, Belgium 4

5. EU finance policies and crisis management Ideas for a new strategy of growth for Europe and Asia! 5

6.  25 years fall of the wall ! On 9 November 2014 the Berlin Wall marks the 25th time and Berlin will be on this day the focus of global world attention. 6

7. Berlin wall  An eyewitness tells the story of the fall of the Berlin Wall on 9.Novemer 1989 7

8.  Short History of Berlin Wall 8

9. The border between West Germany and East Germany. 9

10. The border between West Berlin and East Berlin. 10

11. Brandenburger Tor 1949-1989 11

12. Brandenburger Tor today 12

13. Berlin Wall first building 13

14. 14 Death zone

15. The death of Peter Fechter 15

16. How to Escape the Berlin Wall?  Most cleverest escapes from East to West Berlin. 16

17.  On 9. November 1989 in Berlin I visit an international Banking conference. On evening, 8.30 pm, we listen in TV: 17 “The Border is open. East German people can go to West- Berlin!”

18. 18

19. Contents of crash course  Germany and Taiwan: Where are their risks in export business?  Stop Casino Business! Dirty Profits Short sales  Ideas for a new strategy of growth. 19

20. Reasons for the need of Foreign Trade Natural energy sources climatic, geological reasons Economic Development Differences agricultural, industrial, tourism Technical progress Computer, cars or basic industries mining, iron or steel or heavy chemistry 20

21. Reasons for the need of Foreign Trade Different human knowledge level of education Different Equipment of national economy labour, capital, land, rules 21

22. Risk Issues in International Trade 22 Country Risks Stable political climate? Solid legal infrastructure? Foreign Exchange Risks Freely convertible currency? Money Embargo and Black List? Commercial Risks Transport risks and insolvency of trading partner?

23. Who are the richest countries?  Export  GDP – Gross Domestic Product  Foreign Exchange Reserves 23

24. Basic informations:  First we must discuss the question: Where does the money come from? 24

25. Can I ask you something? 25 What do you think, where does our money? 1.The state spends our money in circulation? 2.Banks create money in the form of loans? 3.Money is put into circulation by the central banks? 4.Money is not created, it is always there? 5.With global trade creates money?

26. The banks "create" money! They generate for themselves and the bank must have no stress. It refers to the deposit money from the computer, not money in paper form. Answer No 2: Banks create money in form of loans. 26

27. 頁碼作品授權條件 作者 / 來源 9 WIKIPEDIA COMMONS / 作者： Alexrk2 本作品轉載自 https://commons.wikimedia.org/wiki/File:Karte_Innerdeutsche_Grenze.png 本作品採取創用 CC 姓名標示 - 相同方式分享 3.0 未在地化版本條款分享創用 CC 姓名標示 - 相同方式分享 3.0 未在地化版本 瀏覽日期 2014/10/31 10 WIKIPEDIA COMMONS / 作者： Wereon 本作品轉載自 (http://commons.wikimedia.org/wiki/File:Deutschland_Besatzungszonen_1945_ 1946.png)http://commons.wikimedia.org/wiki/File:Deutschland_Besatzungszonen_1945_ 1946.png 本作品採取創用 CC 姓名標示 - 相同方式分享 3.0 未在地化版本條款分享創用 CC 姓名標示 - 相同方式分享 3.0 未在地化版本 瀏覽日期 2014/10/16 11 WIKIPEDIA COMMONS / 作者： Thomas Wolf 本作品轉載自 https://commons.wikimedia.org/wiki/File:Brandenburger_Tor_morgens.jpg 本作品採取創用 CC 姓名標示 - 相同方式分享 3.0 未在地化版本條款分享創用 CC 姓名標示 - 相同方式分享 3.0 未在地化版本 瀏覽日期 2014/10/31 12 WIKIPEDIA COMMONS / 作者： Thomas Wolf 本作品轉載自 (http://commons.wikimedia.org/wiki/File:Brandenburger_Tor_nachts_2012- 07.jpg(http://commons.wikimedia.org/wiki/File:Brandenburger_Tor_nachts_2012- 07.jpg) 本作品採取創用 CC 姓名標示 - 相同方式分享 3.0 未在地化版本條款分享創用 CC 姓名標示 - 相同方式分享 3.0 未在地化版本 瀏覽日期： 2014/10/31 版權聲明 27

28. 頁碼作品授權條件 作者 / 來源 13 WIKIPEDIA COMMONS / 作者： Wolf, Helmut J. 及 Bundesarchiv, Bild 173-1321 本作品轉載自 http://commons.wikimedia.org/wiki/File:Bundesarchiv_Bild_173-1321,_Berlin,_Mauerbau.jpg 本作品採取創用 CC 姓名標示 - 相同方式分享 3.0 德國版條款分享創用 CC 姓名標示 - 相同方式分享 3.0 德國版 瀏覽日期 2014/10/31 14 WIKIPEDIA COMMONS / 作者： Noir 本作品轉載自 (http://commons.wikimedia.org/wiki/File:Berlinermauer.jpg)http://commons.wikimedia.org/wiki/File:Berlinermauer.jpg 本作品採取創用 CC 姓名標示 - 相同方式分享 3.0 未在地化版本條款分享創用 CC 姓名標示 - 相同方式分享 3.0 未在地化版本 瀏覽日期 2014/10/31 15 PeterFechterPassbild.jpg'/ 作者： Blunt. https://commons.wikimedia.org/wiki/File:PeterFechterPassbild.jpg 本作品為公共財領域 瀏覽日期 2014/10/31 18 WIKIPEDIA COMMONS / 作者： Raphaël Thiémard 本作品轉載自 (http://commons.wikimedia.org/wiki/File:Berlin_1989,_Fall_der_Mauer,_Chute_du_mur_18.jpg )http://commons.wikimedia.org/wiki/File:Berlin_1989,_Fall_der_Mauer,_Chute_du_mur_18.jpg 本作品採取創用 CC 「姓名標示－相同方式分享」 2.0 通用版條款分享創用 CC 「姓名標示－相同方式分享」 2.0 通用版 瀏覽日期 2014/10/31 版權聲明 28

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