中譯本科銀行管理課件cha-wenkub
2023-01-25 04:47:25 本頁(yè)面
【正文】 significant decline in price. ? 其資產(chǎn)價(jià)格穩(wěn)定，不會(huì)因?yàn)榇罅康膾伿鄱箖r(jià)格明顯下降。 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(jī)構(gòu)管理之一即為保證充足流動(dòng)資產(chǎn) ? How much financial institutions depend upon public confidence to survive and prosper. ? 金融機(jī)構(gòu)對(duì)公眾信心的依賴(lài)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(duì)該銀行信息，盡管很短暫，流動(dòng)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(dòng)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(huì)引起銀行流動(dòng)性資產(chǎn)需求上升 ? 銀行尋求何種流動(dòng)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(dòng)性資金需求為 : (1). Customers withdrawing money from their deposits. （客戶(hù)提取存款） (2). Credit requests from customers the bank wishes to keep .（優(yōu)質(zhì)客戶(hù)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(wù)時(shí)產(chǎn)生的經(jīng)營(yíng)費(fèi)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(dāng)需要時(shí) , 銀行可借助的流動(dòng)性資產(chǎn)供給 : (1). Receipt of new customer deposits (客戶(hù)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(chǎng)借款） 1. The demand f
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