米什金货币金融学(商学院版)第9章课件.ppt
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米什金货币金融学(商学院版)第9章课件.ppt
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Copyright2010PearsonAddison-Wesley.Allrightsreserved.Chapter9BankingandtheManagementofFinancialInstitutionsCopyright2010PearsonAddison-Wesley.Allrightsreserved.10-29.1TheBankBalanceSheetCopyright2010PearsonAddison-Wesley.Allrightsreserved.10-39.1.1Liabilities1.CheckabledepositBankaccountsthatallowtheownertowritecheckstothirdparties.Includes:
-Demanddeposit-NOWaccounts:
-MMDAs:
similartomoneymarketmutualfundsandnotsubjecttoreserverequirementsOncearethemostimportantsourceofbankfunds,butthesharehasshrunkovertime.Usuallythelowest-costsourceofbankfund.Copyright2010PearsonAddison-Wesley.Allrightsreserved.10-42.NontransactionDepositPrimarysourceofbankfunds.Ownerscannotwritechecks,buttheinterestratesareusuallyhigher.Twotypes:
-Savingsaccounts-Timedeposit:
haveafixedmaturitylength.3.BorrowingsMoreandmoreimportant.Copyright2010PearsonAddison-Wesley.Allrightsreserved.10-54.BankCapitalThedifferencebetweentotalassetsandliabilities.(8%)Raisedbysellingnewstockorfromretainedearnings.Isacushionagainstadropinthevalueofitsassets.Copyright2010PearsonAddison-Wesley.Allrightsreserved.10-69.1.2Assets1.ReservesReserves=Vaultcash+Depositsinanaccountatthecentralbank(requiredreserves+excessreserves)Nointerestpayment.Banksholdreservesfortworeasons:
1)Reserverequirement2)Reservesarethemostliquidandcanbeusedtomeetitsobligationswhenfundsarewithdrawn.中国的历次调整中国的历次调整http:
/2010PearsonAddison-Wesley.Allrightsreserved.10-72.CashitemsinprocessofcollectionSupposeacheckwrittenonanaccountatanotherbankisdepositedinyourbankandthefundsforthischeckhavenotyetbeenreceivedfromtheotherbank.3.DepositsatotherbanksManysmallbanksholddepositsinlargerbanksinexchangeforavarietyofservices.Alloftheabovethreearereferredtoascashitems.Importanceshrinkingovertime.Copyright2010PearsonAddison-Wesley.Allrightsreserved.10-84.SecuritiesAnimportantincome-earningasset.(23%)Madeupentirelyofdebtinstruments.5.LoanBanksmaketheirprofitsprimarilybyissuingloans.(66%)Typicallylessliquidandhaveahigherprobabilityofdefaultthanotherassets.5.OtherassetsThephysicalcapitalownedbythebanks.Copyright2010PearsonAddison-Wesley.Allrightsreserved.10-9浦发银行浦发银行2011年资产负债表年资产负债表资产资产现金及存放中央银行款项366,957,099,00014%存放同业和其它金融机构款项267,876,482,00010%拆出资金111,415,298,0004%买入返售金融资产281,509,782,00010%发放贷款及垫款1,302,323,950,00049%可供出售金融资产147,929,131,0006%持有至到期投资158,535,453,0006%负债负债同业和其它金融机构存放款项440,908,269,00016%拆入资金66,970,025,0002%吸收存款1,851,055,121,00069%负债合计2,535,150,909,00094%所有者权益合计149,542,780,0006%Copyright2010PearsonAddison-Wesley.Allrightsreserved.10-109.2BasicBankingAssettransformationSellingliabilitieswithonesetofcharacteristicsandusingtheproceedstobuyassetswithadifferentsetofcharacteristics.“Borrowsshortandlendslong.”Copyright2010PearsonAddison-Wesley.Allrightsreserved.10-11T-accountAnalysis:
Depositof$100cashintoFirstNationalBankAssetsLiabilitiesVaultCash+$100CheckableDeposits+$100(=Reserves)Depositof$100checkintoFirstNationalBankAssetsLiabilitiesCashitemsinprocessCheckableDeposits+$100ofcollection+$100FirstNationalBankSecondNationalBankAssetsLiabilitiesAssetsLiabilitiesCheckableCheckableReservesDepositsReservesDeposits+$100+$100$100$100Conclusion:
Whenbankreceivesdeposits,reservesbyequalamount;whenbanklosesdeposits,reservesbyequalamountCopyright2010PearsonAddison-Wesley.Allrightsreserved.10-12BasicBanking:
MakingaProfitFirstNationalBankFirstNationalBankAssetsLiabilitiesAssetsLiabilitiesRequiredreserves+$100Checkabledeposits+$100Requiredreserves+$100Checkabledeposits+$100Excessreserves+$90Loans+$90Copyright2010PearsonAddison-Wesley.Allrightsreserved.10-139.3GeneralPrinciplesofBankManagement1.LiquidityManagement2.AssetManagementManagingCreditRiskManagingInterest-rateRisk3.LiabilityManagement4.CapitalAdequacyManagementCopyright2010PearsonAddison-Wesley.Allrightsreserved.10-149.3.1LiquidityManagementReserverequirement=10%,Excessreserves=$10millionAssetsLiabilitiesReserves$20millionDeposits$100millionLoans$80millionBankCapital$10millionSecurities$10millionDepositoutflowof$10millionAssetsLiabilitiesReserves$10millionDeposits$90millionLoans$80millionBankCapital$10millionSecurities$10millionWith10%reserverequirement,bankstillhasexcessreservesof$1million:
nochangesneededinbalancesheetCopyright2010PearsonAddison-Wesley.Allrightsreserved.10-15LiquidityManagementNoexcessreservesAssetsLiabilitiesReserves$10millionDeposits$100millionLoans$90millionBankCapital$10millionSecurities$10millionDepositoutflowof$10millionAssetsLiabilitiesReserves$0millionDeposits$90millionLoans$90millionBankCapital$10millionSecurities$10millionCopyright2010PearsonAddison-Wesley.Allrightsreserved.
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- 米什金 货币 金融学 商学院 课件