bank management solutions part2

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1、CHAPTER11LIQUIDITYANDRESERVEMANAGEMENT:STRATEGIESANDPOLICIESGoalofThisChapter:Thepurposeofthischapteristoexplorethereasonswhyfinancialinstitutionsoftenfaceheavydemandsforimmediatelyspendablefunds(liquidity)andlearnaboutthemethodstheycanusetoprepareformeetingthei

2、rcashneeds.KeyTopicsinThisChapterSourcesofDemandforandSupplyofLiquidityWhyFinancialFirmsHaveLiquidityProblemsLiquidityManagementStrategiesEstimatingLiquidityNeedsTheImpactofMarketDisciplineLegalReservesandMoneyManagementChapterOutlineI.Introduction:Meaning

3、ofLiquidityII.TheDemandforandSupplyofLiquidityA.SourcesofLiquidityDemandsB.SourcesofLiquiditySuppliesC.NetLiquidityPositionandLiquiditySurplusesandDeficitsIll.WhyFinancialFirmsOftenFaceSignificantLiquidityProblemsA.MaturityMismatchesB.SensitivitytoChangingIntere

4、stRatesC.LiquidityandPublicConfidenceIV.StrategiesforLiquidityManagersA.AssetLiquidityManagement(orAssetConversion)StrategiesB.BorrowedLiquidity(Liability)ManagementStrategiesC.Balanced(AssetandLiability)LiquidityManagementStrategiesD.GuidelinesforBankLiquidityM

5、anagersV.EstimatingLiquidityNeedsA.TheSources-and-Uses-of-FundsApproachB.TheStructure-of-FundsApproachC.LiquidityIndicatorApproachD.TheUltimateStandardforAssessingLiquidityNeeds:SignalsfromtheMarketplace1.PublicConfidence2.StockPriceBehavior3.RiskPremiumsonCDsan

6、dOtherBorrowings1434.LossSalesofAssets5.MeetingCommitmentstoCreditCustomers6.BorrowingsfromtheFederalReserveBanksVI.LegalReservesandMoney-PositionManagementA.TheMoneyPositionManagerB.LegalReservesC.RegulationsonCalculatingLegalReserveRequirements1.ReserveComputa

7、tion2.ReserveMaintenance3.ReserveRequirements4.CalculatingRequiredReserves5.PenaltyforaReserveDeficit6.ClearingBalancesD.FactorsInfluencingtheMoneyPosition1.ControllableFactors2.NoncontrollableFactors3.AnExample4.UseoftheFederalFundsMarket5.OtherOptionsBesidesFe

8、dFunds6.BankSizeandLendingReservesforMoneyPosition7.OverdraftPenaltiesVII.FactorstoConsiderinChoosingAmongtheDifferentSourcesofReservesA.ImmediacyofNeedB.DurationofNe