商业银行管理全套配套课件英文PPT教师手册习题习题答案 Chap013.ppt

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1、ChapterThirteenManagingNondepositLiabilitiesKeyTopicsLiabilityManagementCustomerRelationshipDoctrineAlternativeNondepositFundsSourcesMeasuringtheFundsGapChoosingamongDifferentFundsSourcesDeterminingtheOverallCostofFundsIntroductionThetraditionalsourceoffundsformostdepositoryin

2、stitutionsisthedepositaccountButwhatdoesmanagementdotofindnewmoneywhendepositvolumeisinadequatetosupportallloansandinvestmentstheseinstitutionswouldliketomake?Inthischapterweexploreyetanotherimportantnondepositsourceoffunding–sellingIOUsinthemoneyandcapitalmarketsforperiodsoft

3、imethatmaystretchfromovernighttoseveralyearsLiabilityManagementandtheCustomerRelationshipDoctrineTheCustomerRelationshipDoctrineThefirstpriorityofalendinginstitutionistomakeloanstoallthosecustomersfromwhomthelenderexpectstoreceivepositivenetearningsThus,lendingdecisionsoftenpr

4、ecedefundingdecisionsAllloansandinvestmentswhosereturnsexceedtheircostandwhosequalitymeetsthelendinginstitution’screditstandardsshouldbemadeIfenoughdepositsarenotimmediatelyavailabletocovertheseloansandinvestments,thenmanagementshouldseekoutthelowest-costsourceofborrowedfundsa

5、vailabletomeetitscustomers’creditneedsDuringthecollapseofthesubprimemortgagemarketinthe2007-2009businessrecession,regulatorsfoundthatmanymortgagelenderswentoverboardinapprovingloans,fallingwellbelownormalindustrystandardswithlittleornodocumentationLiabilityManagementandtheCust

6、omerRelationshipDoctrine(continued)LiabilityManagementDuringthe1960sand1970s,thecustomerrelationshipdoctrinespawnedtheliquiditymanagementstrategyknownasliabilitymanagementThebankbuysfundsinordertosatisfyloanrequestsandreserverequirementsItisaninterest-sensitiveapproachtoraisin

7、gbankfundsItisflexible–ThebankcandecideexactlyhowmuchtheyneedandforhowlongThecontrolmechanismtoregulateincomingfundsisthepriceoffundsTABLE13–1SampleUseofNondepositFundsSourcestoSupplementDepositsandMakeLoansAlternativeNondepositSourcesofFundsFederalFundsMarketRepurchaseAgreeme

8、ntsBorrowingfromFederalReserveBanksAdvancesfromtheFederalHome