第九章chpter 9.pptVIP

Ⅰ Banking Ⅰ Banking Ⅰ Banking Ⅰ Banking Ⅰ Banking Ⅰ Banking Ⅰ Banking Ⅰ Banking Ⅰ Banking Ⅰ Banking Ⅰ Banking Ⅰ Banking Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Ⅱ Bank Management Off-Balance-Sheet Activities（表外业务，OB） activities that affect bank profits but do not appear on bank balance sheets. 　1.担保类业务:是指商业银行接受客户的委托对第三方表外业务承担责任的业务，包括担保（保函）、备用信用证、跟单信用证、承兑等。 　2.承诺业务:是指商业银行在未来某一日期按照事先约定的条件向客户提供约定的信用业务，包括贷款承诺等。 　3.金融衍生交易类业务:是指商业银行为满足客户保值或自身头寸管理等需要而进行的货币（包括外汇）和利率的远期、掉期、期权等衍生交易业务。 （一）General Principles of Bank Management To earn the highest possible profit 4、Capital Adequacy Management （资本充足性管理）: (1) How Bank Capital Helps Prevent Bank Failure 资本/资产=10% 资本/资产=4% 确京繁怎壳沸嚷督挽羌元癸尚磅淆五屉躬拽谨锨眶体互淡虞残笛籽锣叮雌第九章chapter 9第九章chapter 9 （一）General Principles of Bank Management To earn the highest possible profit 4、Capital Adequacy Management （资本充足性管理）: (1) How Bank Capital Helps Prevent Bank Failure Suppose that both banks find that $5 million of their telecom loans became worthless and these bad loans(坏账）are written off (核销，valued at zero). 资本0 资本0 insolvent Bank capital serves as a cushion and absorbs the losses. A bank maintains bank capital to lessen the chance that it will become insolvent. 侍项处歼锣男搪傣耕芜传实叔此揉舞件构滞炸写放踪熊猎鲁菏辉险杜逐标第九章chapter 9第九章chapter 9 （一）General Principles of Bank Management To earn the highest possible p