中譯本科銀行管理課件cha(參考版)
2025-01-13 04:47本頁面
【正文】 在這種管理策略下部分流動(dòng)性需求將由流動(dòng)性資產(chǎn) (主要為可變現(xiàn)證券 )償付，而其他的短期負(fù)債則由借入資金來償還 .（與其它資金供應(yīng)者事先達(dá)成的信用安排來支持 ) (3) Balanced (asset and liability) liquidity management strategies ? Unexpected cash needs are typically met from nearterm borrowings. （突發(fā)性現(xiàn)金需求通常通過立即借款來滿足） ? Longerterm liquidity needs can be planned for and the funds to meet these needs can be parked in shortterm and mediumterm loans and securities that will roll over into cash as those liquidity needs arise. （長(zhǎng)期流動(dòng)性需求可由計(jì)劃好的中短期貸款解決，需要提高其流動(dòng)性時(shí)，有價(jià)證券也可以轉(zhuǎn)換成現(xiàn)金） Guidelines for liquidity managers 經(jīng)理準(zhǔn)則 ? First, the liquidity manager must keep track of the activities of all fundsusing and fundsraising departments within the bank. 首先 , 經(jīng)理必須要知道銀行里每個(gè)部門的資金使用和情況 . ? Second, the liquidity manager should know in advance, wherever possible, when the bank’s biggest credit or deposit customers plan to withdraw their funds or add to their deposits 其次 , 經(jīng)理要能提前預(yù)知大客戶什么時(shí)候要存取大額資金 Guidelines for liquidity managers ? Third, the liquidity manager must make sure the bank’s priorities and objectives for liquidity management are clear. (明確流動(dòng)性管理的政策和目標(biāo)） ? Fourth, the bank’s liquidity needs and liquidity decisions must be analyzed on a continuing basis to avoid both excess and deficit liquidity positions. （避免流動(dòng)性盈余或赤字的基礎(chǔ)上加以分析） 4. The Ultimate Standard for Assessing Liquidity Management: signal from the Marketplace 衡量管理流動(dòng)性最終看市場(chǎng)反映結(jié)果 ? Public confidence (公眾的信心） ? Stock price behavior (股價(jià)表現(xiàn)） ? Risk premiums on CDs and other borrowings. (對(duì)存單及其他借款的風(fēng)險(xiǎn)溢價(jià)） ? Loss sales of assets (資產(chǎn)出售損失） ? Meeting mitments to credit customers. (履行對(duì)信貸客戶的信貸承諾） ? Borrowings from the central bank. (央行借款） 5. Legal Reserves and Money Position Management 法定準(zhǔn)備金以及貨幣頭寸管理 ① vault cash庫存現(xiàn)金 ② deposit held with the Federal Reserve 存于央行存款 ③ deposit at other banks存于同行間存款 ④ cash items in the process of collection在途資金 6. Factors In Choosing Among The Differe
公司管理相關(guān)推薦
鄂ICP備17016276號(hào)-1