chapter 9banking and management 货币金融教材.pptVIP

（一）General Principles of Bank Management To earn the highest possible profit 2、asset management: Goals： (1)To seek the highest returns possible （profitability 盈利性） (2)To reduce risk（safety 安全性） (3)To make adequate provisions for liquidity（liquidity 流动性） Ways: (1) Banks try to find borrowers who will pay high interest rates and are unlikely to default on their loans. (2) Banks try to purchase securities with high returns and low risk. (3) Banks must attempt to lower risk by diversifying. To purchase many different types of assets (short-and long-term, government bonds) and approving many types of loans to a number of customers. (4) Banks must manage the liquidity of its assets so that it can satisfy its reserve requirements without bearing huge costs. Ⅱ Bank Management （一）General Principles of Bank Management To earn the highest possible profit 2、asset management: Problem 4: “Because diversification is a desirable strategy for avoiding risk, it never makes sense for a bank to specialize in making specific types of loans.” Is this statement true, false, or uncertain? Explain your answer. 贷款多样化 与 贷款专业化 Answer: 银行可以通过专业做某一方面的贷款形成筛选和监控的专门技术，从而有效提高其处理道德风险和逆向选择的能力。 Ⅱ Bank Management Ⅱ Bank Management （一）General Principles of Bank Management To earn the highest possible profit 3、liability management: Goals： （1）维持银行资产的增长率（规模） （2）保持银行的流动性（结构） Ways: 1、负债结构 2、负债定价 思考： 近些年我国金融机构存款结构 发生怎样的变化和具体的变化原因？ 我国存款结构：/publish/diaochatongjisi/3557/index.html （一）General Principles of Bank Management To earn the highest possible profit 4、Capital Adequacy Management （资本充足性管理）: Reasons: (1) Bank capital helps prevents bank failure. (2)The amount of capital affects returns for the owners of the bank. (3) a minimum amount of bank capital (bank capital requirements) is required by regulatory authorities. Ⅱ Bank Management （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 Help