欢迎来到天天文库
浏览记录
ID:51968478
大小:3.73 MB
页数:39页
时间:2020-03-26
《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 Chap015.ppt》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、ChapterFifteenTheManagementofCapitalKeyTopicsTheManyTasksofCapitalCapitalandRiskExposuresTypesofCapitalInUseCapitalastheCenterpieceofRegulationBaselIandBaselIICapitalRegulationintheWakeoftheGreatRecession/BaselIIIPlanningtoMeetCapitalNeedsIntroductionWhatiscapital?Fundscontribu
2、tedbytheownersofafinancialinstitutionRaisingandretainingsufficientcapitaltoprotecttheinterestsofcustomers,employees,owners,andthegeneralpublicistoughWhyiscapitalsoimportantinfinancial-servicesmanagement?ItprovidesacushionofprotectionagainstriskandpromotespublicconfidenceCapital
3、hasbecomethecenterpieceofsupervisionandregulationtodayTheManyTasksCapitalPerformsProvidesacushionagainsttheriskoffailureProvidesfundstohelpinstitutionsgetstartedPromotespublicconfidenceProvidesfundsforgrowthRegulatorofgrowthRegulatorytooltolimitriskexposureCapitalandRisksKeyRis
4、ksinBankingandFinancialInstitutions’ManagementCreditRiskLiquidityRiskInterestRateRiskOperationalRiskExchangeRiskCrimeRiskCapitalandRisks(continued)DefensesagainstRisksQualityManagementDiversificationGeographicPortfolioDepositInsuranceOwners’CapitalTypesofCapitalinUseCommonstock
5、PreferredstockSurplusUndividedprofitsEquityreservesSubordinateddebenturesMinorityinterestinconsolidatedsubsidiariesEquitycommitmentnotesTABLE15–1CapitalAccountsofFDIC-InsuredU.S.CommercialBanks,December31,2010OneoftheGreatIssuesintheHistoryofBanking:HowMuchCapitalIsReallyNeeded
6、?RegulatoryApproachtoEvaluatingCapitalNeedsReasonsforCapitalRegulationTolimitriskoffailuresTopreservepublicconfidenceTolimitlossestothegovernmentandotherinstitutionsarisingfromdepositinsuranceclaimsOneoftheGreatIssuesintheHistoryofBanking:HowMuchCapitalIsReallyNeeded?(continued
7、)RegulatoryApproachtoEvaluatingCapitalNeedsResearchEvidenceResearchhasbeenconductedontheissueofwhethertheprivatemarketplaceorgovernmentregulatoryagenciesexertabiggereffectonbankrisktakingMoststudiesfindthattheprivatemarketplaceisprobablymoreimportantthangovernmentregulationinth
8、elongrunRecentlygovernmentregulationappearstohavebecom
此文档下载收益归作者所有