货币银行学ChapterSixCommercialBanksAndTheirbBusiness介绍.pptVIP

S.4. Commercial banks’risk and risk management 4.2. Bank risk management 1,Making strict investigation before granting loans 2, Asking borrowers to provide sufficient collateral 3, Applying close supervision after granting loans 4.Loan diversification S.5. Commercial Bank Management5.1. The general concerns of bank management 1.Liquidity management To keep reasonable excess reserve is essential point to liquidity management 2.Asset management Banks try to achieve an optimal mix of assets with integration of profi- tability , safety and liquidity. 3.Liability management Banks take the initiative to obtain liability by either issuing negotiable CDs or borrowing from interbank market. 4.Capital adequacy management Banks keep a minimum amount of capital as a cushion to absorb losses. S.5. Commercial Bank Management5.2. The theories of bank management 1, The theory of asset management ? The theory of real bills ? The theory of conversion ? The theory of expectation 2, The theory of liability management This theory considers that it is necessary for banks to pay more attention to liability management besides assets management when it comes to the maintenance of bank liquidity. S.5. Commercial Bank Management5.2. The theories of bank management 3, The theory of asset and liability management This theory holds that banks can accomplish their operation targets only by concurrently adjusting and integrating management of asset and liability structures according to the changes of economy and finance. 1) ?The broad one refers to the fact that bankers plan and control the total amount and structure of each item on bank balance sheet to maximize profit. 2)? The narrow one refers to managing the margin between deposit and lending rates and making margin with its changes in line with banks targets of risk and returns. Summary 1, Although there have been two different models of b