中譯 本科銀行管理課件cha-文庫吧
2024-12-26 04:47 本頁面
【正文】 銀行可借助的流動性資產(chǎn)供給 : (1). Receipt of new customer deposits (客戶存款） (2). Customers repaying their loans （償還貸款） (3). Revenues from the sale of nondeposit services （非存款服務(wù)收入） (4). Sales of bank assets （資產(chǎn)出售） (5). Borrowing from the money market （貨幣市場借款） 1. The demand for and supply of bank liquidity ? A bank’s liquidity position (Lt)流動資金頭寸 =supplies of liquidity flowing into the bank – demands on the bank for liquidity =所獲得的流動資金供給 流動資金需求 Lt0 liquidity surplus Lt0 liquidity deficit 2Why Banks Face Significant Liquidity Problems 銀行面臨流動性問題的緣由 (1) Most banks face some imbalances between the maturity dates on their assets and the maturity dates attached to their liabilities. 銀行資產(chǎn)到期日和負債到期日分配不均衡 (2) Another source of liquidity problems is the bank’s sensitivity to changes in interest rates. 利率變動對銀行的影響也會導(dǎo)致流動性問題。 (3) A bank must give high priority to meeting demands for liquidity. To fail in this area may severely damage public confidence in the institution. 滿足流動性需求必須優(yōu)先考慮，因為若不能及時償付將會極大影響公眾的信心。 for Liquidity Managers 流動性管理策略 (1) Asset Liquidity Management (or Asset Conversion) Strategies—this strategy calls for storing liquidity in assets, predominantly in cash and marketable securities. 資產(chǎn)流動性管理 (或資產(chǎn)轉(zhuǎn)換 )策略 : 主要在于保持資產(chǎn)的流動性，特別強調(diào)現(xiàn)金和可出售證券。 ? What is a liquid asset? It must have three characteristics:流動性資產(chǎn)的三個特點 ? A liquid asset must have a ready market so that it can be converted into cash without ，以便于快捷地轉(zhuǎn)換成現(xiàn)金。 (1) Asset Liquidity Management (or Asset Conversion) Strategies 資產(chǎn)流動性管理 ? It must have a reasonably stable price so that ,no matter how quickly the asset must be sold or how large the sale is, the market is deep enough to absorb the sale without a significant decline in price. ? 其資產(chǎn)價格穩(wěn)定，不會因為大量的拋售而使價格明顯下降。 ? It must be reversible(可逆的 ) so that the seller can recover his or
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