商业银行经营与管理Chap11[中文].pptVIP

Managing Nondeposit Liabilities and Other Sources of Bank Funds借入资金和其他资金来源的管理 §1. Customer Relationship Doctrine and Liability Management 客户关系理论和负债管理 §2. Nondeposit Sources of Bank Funds 银行借款 §3. Factors to Consider When Choosing Nondeposit Sources of Funds 影响银行借款的因素 §1. Customer Relationship Doctrine and Liability Management客户关系理论和负债管理 Customer Relationship Doctrine客户关系理论 The First Priority of the Bank is to Make Loans to All Qualified Customers 银行必须优先对合格客户发放贷款 Liability Management If Funds are Not Available the Bank Should Seek Out the Lowest Cost Source of Funding to Meet Customers’ Needs. 如果银行没有足够的资金，应该以最低的成本寻找资金来源，以满足客户的需求 Liability Management负债管理 The Bank Buys Funds in Order to Satisfy Loan Requests and Reserve Requirements 银行借入资金为满足贷款和准备金要求 It is an Interest-Sensitive Approach to Raising Bank Funds 用这种方法筹集资金，对利率是非常敏感的 It is Flexible – The Bank Can Decide Exactly How Much They Need and For How Long 银行在决定借多少和借多久时，是具有弹性的 §2. Nondeposit Sources of Bank Funds银行借入资金的管理 Federal Funds Market 联邦基金市场 Federal Reserve Bank联邦储备银行 Negotiable CDs 大额可转让定期存单 4 Eurocurrency Deposit Market欧洲货币存款市场 5 Commercial Paper 商业票据 6 Repurchase Agreements 再回购协议 7 Long Term Sources 长期资金来源 Types of Fed Funds Loan Agreements联邦基金贷款的种类 Overnight Loans 隔夜贷款 Term Loans 定期贷款 Continuing Contracts 持续贷款 The Three Types of Federal Reserve Loans Adjustment Credit –only for a few days and provide immediate aid in meeting reserve requirements 调节性贷款—用来满足法定准备金要求，贷款期限只有几天 Seasonal Credit –a longer maturity than the adjustment credit Loan and for banks with seasonal swings in deposits and loans 季节性贷款—期限比调节性贷款略长，满足存贷款季节性波动银行的资金需求 Extended Credit –for banks experiencing longer-term funding problems 扩展贷款—贷给较长时期资金困难的银行 Negotiable CD大额可转让定期存单 An Interest-Bearing Receipt Evidencing the Deposit of Funds in the Bank for a Specified Period of Time for a Specified Interest Rate证明银行收到存款资金的收据，存款有特定的期限、特定的利率和特定的计息方式 It is Considered a Hybrid Account Since it is Legally a Deposit 它是一种混