中譯本科銀行管理課件cha-文庫吧資料
2025-01-16 04:47本頁面
【正文】 nt Sources In choosing which source of reserves to draw upon in order to cover a legal reserve deficit, bankers must carefully consider several aspects of their need for liquid funds: 為了確定用以上哪種來彌補準備金不足 ,銀行家必須全面仔細考慮流動性需求的問題 : ① Immediacy of the bank’s need. (銀行需求的緊迫性） ② Duration of the bank’s need. （銀行需求的持續(xù)性） ③ The bank’s access to the market for liquid funds. （進入市場獲取資金的渠道） ④ Relative costs and risks of alternative sources of funds. （各種可以選擇的流動性資金來源相對成本和風險） ⑤ Inter rate outlook （利率前景） ⑥ Outlook for central bank moary policy.（中央銀行的貨幣政策） Questions ? What are the principal sources of liquidity demand for a bank?銀行在哪些方面需要用到流動性資產(chǎn) ?(需求 ) ? What are the principal sources from which a bank’s supply of liquidity es?銀行籌集流動性資產(chǎn)的來源有哪些 ?(供給 ) ? Why do banks face significant liquidity management problems?為啥銀行面臨著流動性風險的問題 ? ? What are the principal difference among asset management, liability management, and balanced liquidity management?資產(chǎn)流動性管理 , 負債流動性管理以及綜合流動性管理間有何差異 ? 。 Advantages:優(yōu)勢 ? A bank can choose to borrow only when it actually needs funds.靈活性高，需要時才會選擇去借 ? Using borrowed funds permits a bank to leave the volume and position of its asset portfolio unchanged. 運用借款資金不會銀行銀行的資產(chǎn)結(jié)構(gòu)。但不意味著資產(chǎn)轉(zhuǎn)化的成本低。 ? 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. 通過持有更多流動性資產(chǎn)銀行可以增加其流動性頭寸，但是并不一定頭寸大于 0，因為銀行的流動性頭寸也受流動性的需求影響。 ? It must be reversible(可逆的 ) so that the seller can recover his or original investment (principal) with little risk of loss. 交易可逆，以便賣出后可以小風險收回成本。 ? What is a liquid asset? It must have three characteristics:流動性資產(chǎn)的三個特點 ? A liquid asset must have a ready market so that it can be converted into cash without ，以便于快捷地轉(zhuǎn)換成現(xiàn)金。 (3) A bank must give high priority to meeting dema
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