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ID:38544864
大小:1.59 MB
页数:38页
时间:2019-06-14
《货币银行英文复习资料Chapter Six》由会员上传分享,免费在线阅读,更多相关内容在教育资源-天天文库。
1、ChapterSixTheCommercialBanks&.TheirBusinessesTheSketchofChapterSixEmergencyandDevelop-mentofCommercialBanksSurveyofcommercialbanksTheessenceofcommercialbanksTypesandStructureofCommercialBanksCommercialbanks’businessesTypesofcommercialbanksSegregatedbankingStructureofcomm
2、ercialbanksUnitbankingBranchbankingCorrespondentBank-holdingCommercialbanks’balancesheetBankbusinessesBalance-sheetAssetsbusinessesLiabilities-CommercialbankmanagementGeneralconcernsofBankmanagementTheoriesofbankmanagementCashLoansSecuritiesOtherassetsDepositsCapitalLiqui
3、dityAssetLiabilityCapitaladequacyTheoryofassetmanagementTheoryofliabilitymanagementTheoryofassetandliabilitymanagementUniversalbankingInternalstructureExternalstructurebankingcompaniesPolicy-makingbodyExecutivebodySupervisorybodyOff-balance-sheetbusinessesIntermediaryserv
4、icesContingentassets&liabilities12351TheSketchofChapterSixBankriskRiskmanagementCreditriskMarketriskLiquidityriskOperationalriskLegalriskCountryriskMakingstrictinvestigationApplyingclosesupervisionAskingforsufficientcollateralsLoandiversificationBankriskandriskmanagement4
5、.S.1.SurveyofCommercialBanks1.1.DefinitionCommercialbanksrefertothefinancialinstitutionsthattakefinancialassetsandliabilitiesastheirbusinessobjectsandplaycomprehensivefunctionswithfundsobtainedfromthepublicinordertomakeprofit.S.1.SurveyofCommercialBanks1.2.Thefunctionsofc
6、ommercialbanks1.IntermediaryfunctionTheessenceofthefunctionisthatcommercialbanksgatheridlefundsononehand,andmakeloansorinvestthroughassetbusinessesontheotherhand.2.PaymentfunctionBasedoncheckingdepositaccountscommercialbanksareentrustedwithmakingmonetarypaymentandreceivin
7、g,settlingandclearingandtransferringfundsfortheircustomers.3.MoneycreationfunctionThroughtheirdeposit-takingandturningloansintodepositorymoneycommercialbankscreatemoneythataremanifoldoftheprimarydeposits.4.ServicefunctionBesideson-balance-sheetbusinessescommercialbanksals
8、oprovidevariousoff-balance-sheetbusinesses.Commercialbankshavereallybecome“financialsupermarket”
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