中譯本科銀行管理課件cha(已修改)
2025-01-22 04:47 本頁面
【正文】 Chapter 8. Liquidity Planning and Managing Cash Assets 流動性和現(xiàn)金資產(chǎn)的管理規(guī)劃 ? The purpose of this chapter is to explore the reasons why banks often face heavy demands for immediately spendable funds (liquidity) and learn about the methods bank can use to prepare for meeting their cash needs. ? 本章在于了解銀行需要立即可支付資金的原因 (流動性資產(chǎn) )以及銀行現(xiàn)金準備的手段。 Chapter 8. Liquidity Planning and Managing Cash Assets ? One of the most important tasks the management of any financial institution faces is ensuring adequate liquidity at all times. ? 金融機構(gòu)管理之一即為保證充足流動資產(chǎn) ? How much financial institutions depend upon public confidence to survive and prosper. ? 金融機構(gòu)對公眾信心的依賴度是否很高 . ? How quickly the essential item called ―liquidity‖ can be eroded when the public, even temporarily, loses its confidence in one or more financial institutions. ? 若公眾失去對該銀行信息，盡管很短暫，流動性資產(chǎn)消耗的速率是否很快 1The demand for and supply of bank liquidity 銀行流動性資產(chǎn)的供求 ? What activities give rise to the demand for liquidity inside a bank? What sources can the bank rely upon to supply liquidity when spendable funds are needed? ? 什么會引起銀行流動性資產(chǎn)需求上升 ? 銀行尋求何種流動性資產(chǎn)供給 ? ? For most banks, the most pressing demands for spendable funds e from sources 銀行重要的流動性資金需求為 : (1). Customers withdrawing money from their deposits. （客戶提取存款） (2). Credit requests from customers the bank wishes to keep .（優(yōu)質(zhì)客戶的信貸要求） 1. The demand for and supply of bank liquidity (3). Repayment of nondeposit borrowings. Paying off obligations arising from bank borrowings, such as loans the bank may have received from other banks or from the central bank.（償還存款之外的借款） (4). Operating expenses and taxes incurred in producing and selling services. (生產(chǎn)及出售服務時產(chǎn)生的經(jīng)營費用和稅賦） (5). Payment of stockholder cash dividends. (向股東發(fā)放現(xiàn)金股利） 1. The demand for and supply of bank liquidity ? To meet the foregoing demands for liquidity, banks can draw upon several potential sources of supply. ? 當需要時 ,
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