【ppt精品課件】貨幣金融學(xué)7版英文課件--9-大學(xué)課件20(編輯修改稿)
2025-01-21 13:29 本頁面
【文章內(nèi)容簡介】 ment Asset Management 1. Get borrowers with low default risk, paying high interest rates 2. Buy securities with high return, low risk 3. Diversify 4. Manage liquidity Liability Management 1. Important since 1960s 2. Banks no longer primarily depend on deposits 3. When see loan opportunities, borrow or issue CDs to acquire funds 9 169。 2023 Pearson Education Canada Inc. Capital Adequacy Management 1. Bank capital is a cushion that helps prevent bank failure 2. Higher is bank capital, lower is return on equity ROA = Net Profits/Assets ROE = Net Profits/Equity Capital EM = Assets/Equity Capital ROE = ROA ? EM Capital ?, EM ?, ROE ? 3. Tradeoff between safety (high capital) and ROE 4. Banks also hold capital to meet capital requirements 5. Managing Capital: A. Sell or retire stock B. Change dividends to change retained earnings C. Change asset growth 10 169。 2023 Pearson Education Canada Inc. Managing Credit Risk Solving Asymmetric Information Problems 1. Screening 2. Monitoring and Enforcement of Restrictive Covenants 3. Specialize in Lending 4. Establish LongTerm Customer Relationships 5. Loan Commitment Arrangements 6. Collateral and Compensating Balances 7. Credit Rationing 11 169。 2023 Pearson Education Canada Inc. Managing Interest Rate Risk First Bank Assets Liabilities Ratesensitive assets $20 m Ratesensitive liabilities $50 m Variablerate loans Variablerate CDs Shor
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