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ID:19448299
大小:100.40 KB
页数:10页
时间:2018-10-02
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1、InternationalBankRegulationShwetambariHeblikarKyleBriggsBankFailureWhenunabletomeetitsobligationstoitsdepositorsLoansnotrepaid,Liquidity,Assets/Liabilitiesunbalanced,ect.“Runonthebank”(Depositorswithdrawfrombank)AssetsbelievedtodeclineinvalueEvenifassetsaresound,negativ
2、eexpectationsmayleadtofinancialpanicsEffectstravelthroughfinancialsystemOnebank’sproblemsmayeasilyspreadtosounderbanksConsequencesofBankFailureBankriskvssocialriskAbankcanaffordahigherlevelofriskthansocietycanaffordBankscanpassrisktootherbanksforapriceandsoonUltimately,
3、societymustpaythepriceofriskSub-primeMortgagecrisis2007UnregulatednatureofglobalbankingleavestheworldfinancialsystemvulnerabletobankfailuresonamassivescaleGreatDepressionManyoftheprecautionarybankregulationmeasurestakenbygovernmentstodayareadirectresultoftheircountries’
4、experiencesduringtheGreatDepressionU.S.SafeguardsDepositinsurance(FDIC)Lossesupto$250,000MemberbanksrequiredtomakecontributionstocovercostsReserverequirements(Fed)CapitalrequirementsandassetrestrictionsMinimumrequiredlevelsofcapitaltoreduceriskoffailureBankexamination(F
5、ed,FDIC,OfficeoftheComptroller)Lenderoflastresort(Fed)BorrowfromFed’sdiscountwindowInternationalBanksAninternationalbankisafinancialentitythatoffersavarietyoffinancialservicessuchaspaymentaccountsandlendingopportunitiestoforeignclients.Additionally,Internationalbankssho
6、uldalsobeabletoofferinformationonthefollowingvalueaddedtradeproductsandservicessuchasPrepaymentandstructuredpre-exportfacilities,exportreceivablesfinancing,governmentbackedinsuranceandguaranteeprograms,providingcreditsupportorenhancement,globaltrademanagementandmanymore
7、valueaddedservices.TheneedtoregulateinternationalbanksarisesduetothefactthatanychangeofvarianceofrulesmayresultinconflictingtransactionsInordertohavesupervisorystandardsacrosscountriestheBaselCommitteewasformedBaselCommitteeTheBaselCommitteewasformedbythecentralbankgove
8、rnorsofthegroupoftencountriesattheendof1974.Itsobjectiveistoenhanceunderstandingofkeysupervisoryissuesandimpro
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