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Taylor’s Business School
泰勒商学院

Introduction to Finance FIN60104
金融FIN60104导论

April 2024
2024 年 4 月

Individual Assignment (35%)
个人作业 （35%）

Group Material – Appendix Only
小组材料 - 仅附录

MyTimes Submission Only
仅限MyTimes提交

Extended Due on 6^th July 2024, before 2pm.
延期至 2024 ^th 年 7 月 6 日下午 2 点前。

Name:
名字：

Student ID:
学号：

Individual Assignment Guidelines – Read ALL the instructions before select Firm
个人分配指南 – 在选择公司之前阅读所有说明

Introduction
介绍

Guided by the United Nations Sustainable Development Goals (SDGs), Taylor's Impact Labs aim to empower our communities and fulfil our purpose to positively impact different societies and ensure progress on societal problems.
在联合国可持续发展目标 （SDG） 的指导下，泰勒影响力实验室旨在为我们的社区赋能，并实现我们的目标，对不同的社会产生积极影响，并确保在社会问题上取得进展。

Collaboration with Impact Lab 7 is Active Aging Impact Lab (AAIL)
与 Impact Lab 7 合作的是 Active Aging Impact Lab （AAIL）

(Source: https://university.taylors.edu.my/en/discover-us/taylors-impact-labs/the-labs/active-aging.html).
（来源：https://university.taylors.edu.my/en/discover-us/taylors-impact-labs/the-labs/active-aging.html）。

AAIL is a purpose-led lab dedicated to promoting a fulfilling and meaningful life for senior citizens in their golden years. The lab is focused on enhancing financial well-being, physical and mental well-being, access to care services, and promoting lifelong learning among the elderly. It aims to enable individuals to live an independent, safe, and secure life as they age.
AAIL是一个以目标为导向的实验室，致力于促进老年人在黄金岁月中过上充实而有意义的生活。该实验室专注于提高老年人的财务状况、身心健康、获得护理服务的机会以及促进老年人的终身学习。它旨在使个人随着年龄的增长过上独立、安全和有保障的生活。

FIN60104 - ITF is one of the modules selected to participate in the AAIL. The assignment is designed to incorporate the objectives of AAIL, the module learning outcomes (MLOs) and Taylor’s Graduate Capabilities (TGCs).
FIN60104 - ITF是被选中参加AAIL的模块之一。该作业旨在结合 AAIL 的目标、模块学习成果 （MLO） 和泰勒的研究生能力 （TGC）。

Module Learning Outcome of this Individual Assignment :
本次个人作业的模块学习成果：

MLO 3- TGC 4 (Lifelong learning), 4.1 (demonstrate self-directed learning) - To demonstrate the ability and commitment to learn independently and provide solutions based on the financial management techniques (15%).
MLO 3- TGC 4（终身学习），4.1（展示自主学习） - 展示独立学习的能力和承诺，并提供基于财务管理技术的解决方案（15%）。

MLO 4 – TGC 2a (problem solving skills) 2a.1(identify the problem), 2a.2 (propose solution to existing & emerging problems) - To apply critical thinking skills in decision making process (20%).
MLO 4 – TGC 2a（解决问题的能力），2a.1（识别问题），2a.2（为现有和新出现的问题提出解决方案） - 在决策过程中应用批判性思维技能（20%）。

Assignment Title: Mastering Investments & Avoiding Scams
作业标题：掌握投资和避免诈骗

Related to Topic 3: Working with Financial Statements
与主题 3 相关：使用财务报表

Subtopic : Ratio Analysis
副题目：比率分析

Expected knowledge transfer: Financial ratio analysis will help senior citizens to establish priorities for stability and security in managing their investments & scams. Senior citizens would expect ratio analysis to provide a comprehensive view of a company's financial health, emphasizing stability, income generation and risk management. They are likely to prioritize conservative investments that offer a balance of income and capital preservation for long term.
预期知识转移：财务比率分析将帮助老年人在管理其投资和诈骗时确定稳定性和安全性的优先事项。老年人希望比率分析能够全面了解公司的财务状况，强调稳定性、创收和风险管理。他们可能会优先考虑长期提供收入和资本保值平衡的保守投资。

Instructions:
指示：

This assignment is an individual assignment and contributes 35% of your total assessment. Tutorial sections assigned to a sector as Bursa Malaysia list. Students from the same tutorial section are not allowed to choose the same company. It is on a first come first serve basis. The name of the selected firm must be submitted to their respective tutor latest by week 4.
这项作业是一项个人作业，占您总评估的 35%。分配给部门作为马来西亚交易所列表的教程部分。同一辅导班的学生不得选择同一家公司。先到先得。所选公司的名称必须最迟在第 4 周之前提交给各自的导师。

ITF April 2024 Groups Members & Sections.xlsx
ITF 2024年4月组成员和Sections.xlsx

Read instruction No.8
阅读说明8

Encouraged sectors
鼓励的行业

Health Care & Energy
医疗保健与能源

Technology
科技

Construction
建设

Consumer Products and Services
消费品与服务

Industrial Product & Services
工业产品与服务

Students who enrolled after week 4 or didn’t form a group, please communicate with your tutor by week 5.
在第 4 周后注册或未组成小组的学生，请在第 5 周之前与您的导师沟通。

Your group are required to select a listed firm under Bursa Malaysia as per sector assigned.
您的团队需要根据分配的行业选择马来西亚交易所的上市公司。

May view the list of firms under each sector as per below; https://www.thestar.com.my/business/marketwatch
可以查看每个行业的公司名单，如下所示;https://www.thestar.com.my/business/marketwatch

May view the sector upon obtain the firm’s name as per below:
在获得公司名称后，可以查看该行业，如下所示：

https://www.bursamalaysia.com/trade/trading_resources/listing_directory/main_market.

Download the latest FIVE (5) years Financial Statements (from audited report) of the selected firm. Data can be collected from any other reliable sources. Select a firm listed under your respective sector assigned. Meaning: may used readily available ratio and not showing the calculation. The task is emphasized on critical interpretation of the ratio/result.
下载所选公司的最新五 （5） 年财务报表（来自经审计的报告）。数据可以从任何其他可靠来源收集。选择在您各自分配的行业下列出的公司。含义：可能使用现成的比率而不显示计算。该任务强调对比率/结果的批判性解释。

Any changes on selected company must have the consent of your respective tutor and recorded. Communicate with your tutor on alternatives of ratio or sector.
所选公司的任何变更都必须征得您各自导师的同意并记录在案。与您的导师就比率或行业的替代方案进行沟通。

It’s student’s responsibility to select a firm with all relevant data to fulfill the minimum requirement to conduct the analysis.
学生有责任选择一家拥有所有相关数据的公司，以满足进行分析的最低要求。

The objective of this assignment is achieving the ability for students to apply financial management techniques towards problem solving and critical thinking. Students are required to be independent and resourceful with minimum guidance.
这项作业的目标是培养学生将财务管理技术应用于解决问题和批判性思维的能力。学生必须独立且足智多谋，并提供最少的指导。

The assignment is to be submitted as a single written report of 2,208 words (min of 1,800 and max of 2,318). Word counts - text of answering questions. Its excluding cover page, excluding feedback form, rubrics, figures, tables, references, and appendices which can be converted to image.
作业应作为一份 2,208 字的书面报告提交（最少 1,800 字，最多 2,318 字）。字数统计 - 回答问题的文本。它不包括封面，不包括反馈表、评分标准、数字、表格、参考文献和附录，这些都可以转换为图像。

Plagiarism in all forms will not be tolerated. Assignments submitted will automatically be subjected to a similarity check. Marks will be deducted accordingly if the offence is committed. There must be proper referencing and citation. Harvard Referencing is a must. Citation must include, apart from the normal details, the page number from where the issue for discussion has been taken.
绝不容忍任何形式的抄袭。提交的作业将自动接受相似性检查。如属违法行为，将相应扣除分数。必须有适当的参考和引用。哈佛参考是必须的。除正常细节外，引文还必须包括讨论问题的页码。

Your assignment must be type written in English language using font Times New Roman size 12, 1.5 spacing, justified alignment, 1.25 margin, indicate number of pages.
您的作业必须使用字体 Times New Roman size 12 以英语书写，间距为 1.5，对齐对齐，边距为 1.25，表示页数。

Each student is required to submit only one MS Word file of your assignment to Turnitin (MyTimes) by 6^th July 2024 @ before 2pm. Assignments submission via any other alternative modes will not be accepted. Late submission (based on Mytimes submission receipt) penalty is 50% reduction on the marks obtained for a 24-hour grace period. Assignments received beyond the 24-hour grace period will receive a zero ( inclusive inactive student due to payment issue).
每位学生只需在 2024 ^th 年 7 月 6 日 @ 下午 2 点之前向 Turnitin （MyTimes） 提交一份 MS Word 作业文件。通过任何其他替代模式提交作业将不被接受。逾期提交（基于Mytimes提交回执）的罚款是在24小时宽限期内获得的分数减少50%。在 24 小时宽限期之后收到的作业将收到零（包括由于付款问题而导致的非活跃学生）。

Students are allowed to convert cover page, table content, certain data/ results (data that common among group members), referencing list etc. to image (then paste on word file). The rest of the answer shouldn’t be converted to image. Each assignment should not exceed 25% in its overall similarity index, which excludes bibliographies and references, with no big chunk or whole paragraph was colour coded and no single number of sources should exceed 5% similarity. If this similarity is not fulfilled, the tutor will provide adequate justifications and send the assignments to the Academic Integrity Officer for examination (with reference to University’s Academic Integrity Procedure, clause 4.1.2).
学生可以将封面、表格内容、某些数据/结果（小组成员之间共有的数据）、引用列表等转换为图像（然后粘贴到 word 文件上）。答案的其余部分不应转换为图像。每项作业的总体相似度指数不应超过25%，不包括参考书目和参考文献，大块或整个段落都不应使用颜色编码，任何单一来源的相似度不应超过5%。如果不符合此相似性，导师将提供充分的理由，并将作业发送给学术诚信主任进行审查（参考大学的学术诚信程序，第 4.1.2 条）。

Taylor’s University recognizes the importance of responsible and ethical use of Artificial Intelligence (AI) tools, and this includes ChatGPT and other AI writing tools. We hope to leverage AI tools such as conversation AI chatbots to support your learning. While we acknowledge the importance of AI technologies as part of your learning experience and the development of potential capabilities of our graduates, Taylor's University's Academic Integrity Policy makes clear that any dishonest act committed in an academic context including the use of someone else’s work without acknowledging the source, and the use of use AI-generated materials for assessment that is represented as the student's ideas, research work and/or analysis, is deliberate cheating and regarded as academic misconduct. You are, thus, required to consult your lecturers and/or tutors for any clarification that is needed on academic integrity including the use of AI writing tools to ensure that all work submitted as part of the continuous assessment is reliable and plagiarism-free with all sources and collaboration fully acknowledged.
泰勒大学认识到负责任和合乎道德地使用人工智能 （AI） 工具的重要性，这包括 ChatGPT 和其他 AI 写作工具。我们希望利用对话 AI 聊天机器人等 AI 工具来支持您的学习。虽然我们承认人工智能技术作为您学习经验的一部分和培养我们毕业生潜在能力的重要性，但泰莱大学的学术诚信政策明确指出，在学术环境中犯下的任何不诚实行为，包括在不承认来源的情况下使用他人的作品，以及使用人工智能生成的材料进行评估，这些材料代表学生的想法， 研究工作和/或分析，是故意作弊，被视为学术不端行为。因此，您需要咨询您的讲师和/或导师，以澄清学术诚信所需的任何信息，包括使用人工智能写作工具，以确保作为持续评估的一部分提交的所有作品都是可靠且无抄袭的，并充分承认所有来源和合作。

Assignment Questions
作业问题

Objective : To enable students to apply financial management techniques towards problem solving and critical thinking. Students are required to be independent and resourceful with minimum guidance from the lecturers. The task to complete the individual assignment is divided into two parts.
目的：使学生能够运用财务管理技巧来解决问题和批判性思维。学生必须独立且足智多谋，并得到讲师的最少指导。完成单个任务的任务分为两部分。

Part A – Conduct the Task and submit the file individually.
A 部分 – 执行任务并单独提交文件。

1) Describe the selected company’s background (100 words).
1）描述所选公司的背景（100字）。 

2) Analyze and critically discuss the company performance based on the financial ratios of the selected company for the past FIVE years. You may compare it with industrial average (1,100 words). May use table to present the ratio analysis for FIVE years and convert the data to trend analysis (or any chart). Please use TWO financial ratios for each group of ratios as per below:
2）根据所选公司过去五年的财务比率，分析和批判性地讨论公司业绩。您可以将其与行业平均水平（1,100 字）进行比较。可以使用表格来呈现五年的比率分析，并将数据转换为趋势分析（或任何图表）。请为每组比率使用两个财务比率，如下所示：

Liquidity
流动性

Profitability
收益性

Sustainable Growth Payout Ratios
可持续增长派息率

(TWO ratios X THREE group of ratios = 6 ratios analysis)
（两个比率 X 三组比率 = 6 个比率分析）

3) Highlight the TWO strengths of the company based on your analysis result (300 words).
3）根据你的分析结果，突出公司的两大优势（300字）。

4) Formulate TWO relevant strategies to solve problems (weakness) or recommend for improvement based on the results of your analysis result (8 words).
4）根据分析结果（8个字）制定两种相关的策略来解决问题（弱点）或提出改进建议。

5) Construct a reflective writing on your own work, explaining how you demonstrated self-directed learning while working on this assignment. You need to value your independent learning process in this section. Be specific and support your statements with related examples (700 words). For Q(ii, iii & iv) reflective writing, induvial students expected to describe the whole process and not the stand-alone role within group.
5）对自己的工作进行反思性写作，解释你在完成这项作业时如何展示自主学习。在本节中，您需要重视您的独立学习过程。要具体，并用相关例子（700字）来支持你的陈述。对于Q（ii，iii和iv）反思性写作，专业学生希望描述整个过程，而不是小组中的独立角色。

Eg: Students Y was involved only in printing the poster. However, student Y able to explain the whole process, on how the group was established, how company selection done, what focus on analysis, how it went on 8^th June and so on.
例如：学生 Y 只参与印刷海报。然而，学生Y能够解释整个过程，关于小组是如何建立的，公司选择是如何完成的，分析的重点是什么， ^th 6月8日的情况如何等等。

This will allow students to learn achieve goal of MLOs.
这将使学生能够学习实现 MLO 的目标。

Part B – Conduct the Task in group.
B 部分 – 在小组中执行任务。

1. Students required to form groups with 10-20 members in each group and all members must be within the same tutorial section, record your details : ITF April 2024 Groups Members & Sections.xlsx
1. 学生需要组成小组，每组有10-20名成员，所有成员必须在同一个辅导部分，记录您的详细信息： ITF April 2024 Groups Members & Sections.xlsx

by week four.
到第四周。

2. Develop materials to display during exhibition for senior citizens on potential investment companies. For example, 2 – 4 pages of printed material such as brochures, protype, posters. Groups may use their creativity to develop material such as video clips, PPT presentation etc for effective knowledge transfer. Due: 4^th June 2024
2. 开发材料，在展览期间向老年人展示潜在投资公司。例如，2 – 4 页的印刷材料，例如小册子、protype、海报。小组可以发挥他们的创造力来开发材料，如视频剪辑、PPT演示等，以有效地传授知识。截止日期：2024 ^th 年 6 月 4 日

3. “Mastering Investments & Avoiding Scams” talk will be conducted on 8^th June 2024 from 10am to 2pm. Group members use the developed material ( No.2) to conduct exhibitions for the senior citizens on potential investment opportunities, from 10pm – 2pm. Group members get to decide on who and how tasks are divided between members.
3. “掌握投资与避免诈骗”讲座将于2024 ^th 年6月8日上午10时至下午2时举行。小组成员使用开发的材料（第2号）在晚上10点至下午2点为老年人举办有关潜在投资机会的展览。小组成员可以决定在成员之间分配任务的人和方式。

For example, task among group members :
例如，组成员之间的任务：

Desk research on sector and list of companies selected.
对行业和入选公司名单进行案头研究。

Brief of fundamental & technical analysis
基本面和技术分析简介

Data collection among the members
成员之间的数据收集

Data incorporation & interpretation
数据合并和解释

Prepare Material
准备材料

Set up booth.
设置展位。

Conduct exhibition from 10am -11am
展览时间为上午10点至11点

Conduct exhibition from 11am -12pm
展览时间为上午11点至中午12点

Conduct exhibition from 12pm -1pm
展览时间为中午12时至下午1时

Conduct exhibition from 1pm -2pm
展览时间为下午1时至2时

Due : 8th June 2024
截止日期：2024 年 6 月 8 日

Indicate disclaimer on your material :
在您的材料上注明免责声明：

Disclaimer : The investment/ shares recommendations by students solely based on historical data and fundamental analysis. Taylor’s University is not responsible for investment decisions made by participants.
免责声明：学生仅根据历史数据和基本面分析推荐的投资/股票。泰莱大学不对参与者做出的投资决定负责。

4. Student required to conduct the assessment on senior citizens upon consult them during exhibition. This is to test the accuracy and quality of the information. The assessment focused on the interesting experience, design and delivery of talk & exhibition. QR code scan and answer questions. Due: 8^th June 2024
4. 学生在展会期间咨询老年人后，需要对老年人进行评估。这是为了测试信息的准确性和质量。评估的重点是有趣的体验，设计和演讲和展览的交付。二维码扫描并回答问题。截止日期：2024 ^th 年 6 月 8 日

To summary the assignment brief :
总结作业简介：

Step 1: Select ONE firm and fill in the form – individual.
第 1 步：选择一家公司并填写表格 - 个人。

Step 2: Analyze the data for selected firm – individual.
第 2 步：分析所选公司 - 个人的数据。

Step 3: Merge data with group member & develop material – group
第 3 步：与组成员合并数据并开发材料 - 组

Step 4: Conduct duty as assigned during 8^th June – group
第 4 步： ^th 在 6 月 8 日期间执行分配的职责 – 小组

Step 5: Conduct individual write up & submit assignments by 30^th June – individual.
第 5 步： ^th 在 6 月 30 日之前进行个人写作和提交作业 - 个人。

Yamunah Vaicondam
亚穆纳·瓦孔达姆

Yamunah.Vaicondam@taylors.edu.my