第三章 商业银行负债管理(对外经济贸易大学 何自云).pptVIP

第三章 商业银行负债管理 对外经济贸易大学 金融学院 何自云 Chapter 2 Managing Liabilities The Composition of Bank Liabilities Characteristics of Small Denomination Liabilities Characteristics of Large Denomination Liabilities Funding Costs and Banking Risk 储蓄管理规定 人民币银行结算账户管理办法 美国存款保险制度及其启示 (Federal Deposit Insurance) Composition of Bank Liabilities Different types of liabilities Interest-bearing and non-interest-bearing Transaction accounts: Low explicit interest rates High non-interest processing costs Other accounts: Limited check writing capabilities Higher rates Liabilities with long-term fixed maturities Highe