中譯本科銀行管理課件cha(編輯修改稿)
2025-02-06 04:47 本頁(yè)面
【文章內(nèi)容簡(jiǎn)介】 original investment (principal) with little risk of loss. 交易可逆，以便賣出后可以小風(fēng)險(xiǎn)收回成本。 (1) Asset Liquidity Management (or Asset Conversion) Strategies ? Among the most popular liquid assets for banks are Treasury bills, federal funds loans, deposits held with other banks, municipal bonds, bankers’ acceptances（銀行承兌匯票） .國(guó)債，聯(lián)邦基金貸款，存放于其他銀行的存款，市政債券以及銀行承兌匯票。 ? Although a bank can strengthen its liquidity position by holding more liquid assets, it will not necessarily be a liquid institution if it does so, because a bank’s liquidity position is also influenced by the demands for liquidity made against it. 通過(guò)持有更多流動(dòng)性資產(chǎn)銀行可以增加其流動(dòng)性頭寸，但是并不一定頭寸大于 0，因?yàn)殂y行的流動(dòng)性頭寸也受流動(dòng)性的需求影響。 (1) Asset Liquidity Management (or Asset Conversion) Strategies ? Asset liquidity management strategy is used mainly by smaller banks that find it a less risky approach to liquidity management than relying on borrowings. But asset conversion is not a costless approach to liquidity management. ? 資產(chǎn)流動(dòng)性管理一般被小銀行采用，因?yàn)閷?duì)于他們，借貸成本較高，而流動(dòng)性管理風(fēng)險(xiǎn)較低。但不意味著資產(chǎn)轉(zhuǎn)化的成本低。 (2) Borrowed Liquidity (Liability) Management strategies 借入性流動(dòng)資產(chǎn) (負(fù)債 )管理 This strategies called purchased liquidity or liability management—in its purest form calls for borrowing immediately spendable funds to cover all anticipated（預(yù)期） demands for 買流動(dòng)性或負(fù)債管理，實(shí)質(zhì)上即為借入貸款去償付流動(dòng)性需求。 Advantages:優(yōu)勢(shì) ? A bank can choose to borrow only when it actually needs funds.靈活性高，需要時(shí)才會(huì)選擇去借 ? Using borrowed funds permits a bank to leave the volume and position of its asset portfolio unchanged. 運(yùn)用借款資金不會(huì)銀行銀行的資產(chǎn)結(jié)構(gòu)。 (2) Borrowed Liquidity (Liability) Management strategies ? The principal sources of borrowed liquidity for a bank. ? 銀行借入性流動(dòng)資金主要來(lái)源 : Federal funds borrowings, CDs, repurchase agreement. 聯(lián)邦基金 , 存款單 (Certificates of Deposit), 回購(gòu)協(xié)議 ? Borrowing liquidity is the most risky approach to solving bank liquidity problems because of the volatility of money market interest rates
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