資本市場(chǎng)和金融機(jī)構(gòu)(5)(已改無(wú)錯(cuò)字)
2023-06-25 02:19:29 本頁(yè)面
【正文】 Notice Deposits: Interest bearing deposits that can be withdrawn with prior notice ? Fixed Term deposits: Interest bearing deposits. Includes Interbank market deposits (41%) ? NonDeposits ? Advances from BofC (overdrafts loans) ? Overnight loans ? Commercial paper ? Debentures 13 Bank Capital ( worth) Funds are raised by selling new stock or from retained earnings. Offbalance Sheet items ? No recorded on the balance sheet ? Contingent items: Occurrence, timing, and/or amount is unknown a) Credit Substitutes: ., Loan guarantees, mitted lines of credit, lending of securities held in trust by the FI. b) Derivatives products (forwards, futures, options,…) ? They bee onbalance sheet items when a contingent event occurs. 14 OFFBalance Sheet items ? Advantages: ? Additional ine。 No deposit insurance premium paid。 Less capital adequacy requirements by regulators. ?Hedge FI’s credit, interest rate and FX risks ? Risks: ? OffBS activities are for trading ? Gain or loss is based on the possible change in the market value over the life of the contract (usually less than 3% of the notional value of the contract. ? Unexpected defaults of guaranteed loans, loan mitments 15 Other sources of ine: Trust services ? Investment advisor: Asset Allocation ? ., How to balance your investment portfolio ? Estate Planning ? inheritance ? Planning for Your Retirement Years ? Why, How and When ? Act as transfer agents for government or corporate securities ? ., bankruptcies Corresponding Banking ? Services provided to other banks ? ., cheque clearing and collection, foreign exchange trading, participation in debt and security issuances. 16 4. Credit unions and caisses populaires Cooperative banks are small lending institutions anized around a particular group of individuals with a mon bond (union members or employees of a particular firm). ? They are nonprofitseeking FIs. ? They mostly provincially regulated. ? Members determine their lending and investment policies (60% in Queb
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