中译 本科银行管理课件chapter 8课件.pptVIP

Chapter 8. Liquidity Planning and Managing Cash Assets流动性和现金资产的管理规划 The purpose of this chapter is to explore the reasons why banks often face heavy demands for immediately spendable funds (liquidity) and learn about the methods bank can use to prepare for meeting their cash needs. 本章在于了解银行需要立即可支付资金的原因(流动性资产)以及银行现金准备的手段。 Chapter 8. Liquidity Planning and Managing Cash Assets One of the most important tasks the management of any financial institution faces is ensuring adequate liquidity at all times. 金融机构管理之一即为保证充足流动资产 How much financial institutions depend upon public confidence to survive and prosper. 金融机构对公众信心的依赖度是否很高. How quickly the essential item called “liquidity” can be eroded when the public, even temporarily, loses its confidence in one or more financial institutions. 若公众失去对该银行信息，尽管很短暂，流动性资产消耗的速率是否很快 1The demand for and supply of bank liquidity银行流动性资产的供求 What activities give rise to the demand for liquidity inside a bank? What sources can the bank rely upon to supply liquidity when spendable funds are needed? 什么会引起银行流动性资产需求上升? 银行寻求何种流动性资产供给? For most banks, the most pressing demands for spendable funds come from sources 银行重要的流动性资金需求为: (1). Customers withdrawing money from their deposits. （客户提取存款） (2). Credit requests from customers the bank wishes to keep .（优质客户的信贷要求） 1. The demand for and supply of bank liquidity (3). Repayment of nondeposit borrowings. Paying off obligations arising from bank borrowings, such as loans the bank may have received from other banks or from the central bank.（偿还存款之外的借款） (4). Operating expenses and taxes incurred in producing and selling services. (生产及出售服务时产生的经营费用和税赋） (5). Payment of stockholder cash dividends. (向股东发放现金股利） 1. The demand for and supply of bank liquidity To meet the foregoing demands for liquidity, banks can draw upon several potential sources of supply. 当需要时, 银行可借助的流动性资产供给: (1). Receipt of new customer deposits (客户存款） (2). Customers repaying their loans （偿还贷款） (3). Revenues from the sale of nondepo