商业银行管理BankManagment&FinancialServices（7th）第13章课后题答案解析

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1、CHAPTER13MANAGINGNONDEPOSITLIABILITIESANDOTHERSOURCESOFBORROWEDFUNDSGoalofThisChapter:Thepurposeofthischapteristolearnabouttheprincipalnondepositsourcesoffundsthatfinancialinstitutionscanborrowtohelpfinancetheiractivitiesandtoseehowmanagerschooseamongthevariousnondepositfundssourcescurrentlyavail

2、abletothem.KeyTopicsinthisChapter·LiabilityManagement·CustomerrelationshipDoctrine·AlternativeNondepositFundsSources·MeasuringtheFundsGap·ChoosingAmongDifferentFundsSources·DeterminingtheOverallCostofFundsChapterOutlineI.IntroductionII.LiabilityManagementandtheCustomerrelationshipDoctrineA.Custom

3、erRelationshipDoctrineB.PurposeofLiabilityManagementIll.AlternativeNondepositSourcesofFundsA.FederalFundsMarketB.RepurchaseAgreementsasaSourceofBankFundsC.BorrowingfromtheFederalReserveBankintheDistrictD.AdvancesfromFederalHomeLoanBanksE.DevelopmentandSaleofLargeNegotiableCDsF.EurocurrencyDeposit

4、MarketG.CommercialPaperMarketE.Long-TermNondepositFundsSourcesIV.ChoosingAmongAlternativeNondepositSourcesA.MeasuringaFinancialFirm’sTotalNeedforNondepositFunds:TheFundsGapB.NondepositFundingSources:FactorstoConsider1.RelativeCosts2.TheRiskFactor3.TheLengthofTimeFundsAreNeeded4.TheSizeoftheBorrow

5、ingInstitution5.RegulationsV.SummaryoftheChapterConceptChecks13-1.Whatisliabilitymanagement?Liabilitymanagementinvolvestheconsciouscontrolofthefundingsourcesofafinancialinstitution,usingtheinterestrates(yields)offeredondepositsandotherborrowingstoregulatetheinflowoffundstomatchthebank'simmediatef

6、undingneeds.13-2.Whatadvantagesandrisksdoesthepursuitofliabilitymanagementbringtoaborrowinginstitution?Improvedcontroloverfundingsourcesenablesaborrowinginstitutiontoplanitsgrowthmorecompletely,butliabilitymanagementopensupcertainrisks,particularlyoftheinterest-rateriskandsolvency(defaultorfailur

7、e)riskvariety,becauseittendstobemoresensitivetochangesinmarketinterestrates.13-3.Whatisthecustomerrelationshipdoctrineandwhatareitsimplicationsforfund-raisingbylendinginstitutions?Thecustomerrelationshipdoctrineplacesl