大学金融英语chapter28TheRiskManagementofFinancialInstitutions.ppt

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1、ChapterTwenty-EightTheRiskManagementofFinancialInstitutionsLearningobjectivesAfterstudyingthischapteryoushouldbeableto:1.Tellwhyitisdifficulttomanagetherisksoffinancialinstitutions2.Explainthemajortoolsusedbyfinancialinstitutionstoreducetheirrisks,esp.creditrisksNotesI.Ne

2、wWords1.furthermoreadv.此外inadditionorbesides2.volatilea.易变的；反复无常的quicklychanging(名词为volatility)3.substantiala.大的，e.g.～fluctuation大的波动4.customern.客户apersonorafirmdealingwithafinancialinstitution(有时也用client)5.monitoringn.监视Notes6.covenantn.合同或契约的条款(arestrictive～meansacontrac

3、tprovisionorclauselimitingtheuseoftheloancontainedinaloanagreement)7.commitmentn.许诺，e.g.aloan～贷款许诺8.collateraln.担保品propertythatispledgedtothelendertoguaranteepaymentintheeventthattheborrowershouldbeunabletomakedebtpayments9.proceedsn.收入，收益10.torationvt.配给，定量供应NotesII.Usefu

4、landIdiomaticExpressions1.toresultin…导致2.inlightof…依照，根据……3.tobecomemoreconcernedabout…对……变得更加关心4.toscreenoutfrom…从……筛选出，将……与……分开5.tohavetheincentivetodosth.有做某事的刺激6.toprovidesb.withsth.向某人提供……7.inthecaseof…在碰到……的情况下intheeventthatsth.happens8.topayoff付清/使人有报偿NotesIII.KeyTe

5、rms1.riskmanagement风险管理raterefertomanagingthosefinancialriskssuchascreditrisk,liquidityrisk,interestrateriskandinternationalrisk2.loandefault贷款违约=debtdefault3.collateralrequirements关于担保品方面的要求或规定4.asecuredloan抵押贷款/放款5.compensatingbalances补偿性余额6.creditrisk信贷风险theriskthatthei

6、nterestorprincipal,orbothonsecuritiesandloanswillnotbepaidaspromisedMainTextWhyIsFinancialInstitutionRiskManagementSoDifficult?Greateruncertaintiesandmoreunfavorableeconomicenvironmentbroughtaboutbytheworld-wideeconomiccrisis,increasinglybiggerfiscaldeficit,growingdebtdefa

7、ultdangerandsoaringunemploymentrateinthedevelopedcountries.MainTextWhyIsFinancialInstitutionRiskManagementSoDifficult?Inthemajorinternationalfinancialmarkets,interestrateshavebecomemuchmorevolatile,resultinginsubstantialfluctuationsinprofitsandinthevalueofassetsandliabilit

8、iesheldbyfinancialinstitutions.MainTextWhatAretheToolsUsedtoManageRisksFacingAmericanFina