中譯本科銀行管理課件cha-在線(xiàn)瀏覽
2025-02-27 04:47本頁(yè)面
【正文】 d 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 for and supply of bank liquidity ? A bank’s liquidity position (Lt)流動(dòng)資金頭寸 =supplies of liquidity flowing into the bank – demands on the bank for liquidity =所獲得的流動(dòng)資金供給 流動(dòng)資金需求 Lt0 liquidity surplus Lt0 liquidity deficit 2Why Banks Face Significant Liquidity Problems 銀行面臨流動(dòng)性問(wèn)題的緣由 (1) Most banks face some imbalances between the maturity dates on their assets and the maturity dates attached to their liabilities. 銀行資產(chǎn)到期日和負(fù)債到期日分配不均衡 (2) Another source of liquidity problems is the bank’s sensitivity to changes in interest rates. 利率變動(dòng)對(duì)銀行的影響也會(huì)導(dǎo)致流動(dòng)性問(wèn)題。 for Liquidity Managers 流動(dòng)性管理策略 (1) Asset Liquidity Management (or Asset Conversion) Strategies—this strategy calls for storing liquidity in assets, predominantly in cash and marketable securities. 資產(chǎn)流動(dòng)性管理 (或資產(chǎn)轉(zhuǎn)換 )策略 : 主要在于保持資產(chǎn)的流動(dòng)性，特別強(qiáng)調(diào)現(xiàn)金和可出售證券。 (1) Asset Liquidity Management (or Asset Conversion) Strategies 資產(chǎn)流動(dòng)性管理 ? It must have a reasonably stable price so that ,no matter how quickly the asset must be sold or how large the sale is, the market is deep enough to absorb the sale without a 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。 (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。 (1) Asset Liquidity Manage
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