商业银行管理BankManagmentFinancialServices(7th)第13章课后题答案.doc

《商业银行管理BankManagmentFinancialServices(7th)第13章课后题答案.doc》由会员上传分享，免费在线阅读，更多相关内容在行业资料-天天文库。

1、CHAPTER13MANAGINGNONDEPOSITLIABILITIESANDOTHERSOURCESOFBORROWEDFUNDSGoalofThisChapter:Thepurposeofthischapteristolearnabouttheprincipalnondepositsourcesoffundsthatfinancialinstitutionscanborrowtohelpfinancetheiractivitiesandtoseehowmanagerschooseamongthevariousnondepositfundsso

2、urcescurrentlyavailabletothem.KeyTopicsinthisChapter·LiabilityManagement·CustomerrelationshipDoctrine·AlternativeNondepositFundsSources·MeasuringtheFundsGap·ChoosingAmongDifferentFundsSources·DeterminingtheOverallCostofFundsChapterOutlineI.IntroductionII.LiabilityManagementandt

3、heCustomerrelationshipDoctrineA.CustomerRelationshipDoctrineB.PurposeofLiabilityManagementIll.AlternativeNondepositSourcesofFundsA.FederalFundsMarketB.RepurchaseAgreementsasaSourceofBankFundsC.BorrowingfromtheFederalReserveBankintheDistrictD.AdvancesfromFederalHomeLoanBanksE.De

4、velopmentandSaleofLargeNegotiableCDsF.EurocurrencyDepositMarketG.CommercialPaperMarketE.Long-TermNondepositFundsSourcesIV.ChoosingAmongAlternativeNondepositSourcesA.MeasuringaFinancialFirm’sTotalNeedforNondepositFunds:TheFundsGapB.NondepositFundingSources:FactorstoConsider1.Rel

5、ativeCosts2.TheRiskFactor3.TheLengthofTimeFundsAreNeeded4.TheSizeoftheBorrowingInstitution5.RegulationsV.SummaryoftheChapter195ConceptChecks13-1.Whatisliabilitymanagement?Liabilitymanagementinvolvestheconsciouscontrolofthefundingsourcesofafinancialinstitution,usingtheinterestra

6、tes(yields)offeredondepositsandotherborrowingstoregulatetheinflowoffundstomatchthebank'simmediatefundingneeds.13-2.Whatadvantagesandrisksdoesthepursuitofliabilitymanagementbringtoaborrowinginstitution?Improvedcontroloverfundingsourcesenablesaborrowinginstitutiontoplanitsgrowthm

7、orecompletely,butliabilitymanagementopensupcertainrisks,particularlyoftheinterest-rateriskandsolvency(defaultorfailure)riskvariety,becauseittendstobemoresensitivetochangesinmarketinterestrates.13-3.Whatisthecustomerrelationshipdoctrineandwhatareitsimplicationsforfund-raisingbyl

8、endinginstitutions?Thecustomerrelationshipdoctrineplac