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Review of the Previous Lecture • Bank Risk • Liquidity Risk • Credit Risk • Interest Rate Risk • Trading Risk • Other Risks • Globalization of Banking • The Future of Banks
19 trang | Chia sẻ: nguyenlinh90 | Ngày: 19/07/2019 | Lượt xem: 771 | Lượt tải: 0
Topic under Discussion • Bank Risk • Interest Rate Risk (Cont.) • Trading Risk • Other Risks • Globalization of Banking • The Future of Banks • Non-depository Institutions • Insurance Companies • Securities Firms • Finance Companies • Government Sponsored Enterprises
24 trang | Chia sẻ: nguyenlinh90 | Ngày: 19/07/2019 | Lượt xem: 762 | Lượt tải: 0
Bank Risk • Banking is risky because depository institutions are highly leveraged and because what they do • In all the lines of banking trades, the goal of every bank is to pay less for the deposits the bank receives than for the loan it makes and the securities it buys.
23 trang | Chia sẻ: nguyenlinh90 | Ngày: 19/07/2019 | Lượt xem: 726 | Lượt tải: 0
Banking • Types of Banking Institutions • Commercial Banks • Savings Institutions • Credit Unions • Balance Sheet of Commercial Banks • Assets: uses of funds • Cash • Securities • Loans
19 trang | Chia sẻ: nguyenlinh90 | Ngày: 19/07/2019 | Lượt xem: 768 | Lượt tải: 0
Review of the Previous Lecture • Role of Financial Intermediaries • Pool Savings • Safekeeping, accounting services and access to the payments system; • Liquidity; • Information Services • Risk diversification • Information Asymmetry and Information Costs • Adverse Selection • Moral Hazards
21 trang | Chia sẻ: nguyenlinh90 | Ngày: 19/07/2019 | Lượt xem: 701 | Lượt tải: 0
Review of the Previous Lecture • Role of Financial Intermediaries • Pool Savings • Safekeeping, accounting services and access to the payments system;
31 trang | Chia sẻ: nguyenlinh90 | Ngày: 19/07/2019 | Lượt xem: 803 | Lượt tải: 0
Review of the Previous Lecture • Theory of Efficient Markets • Investing in Stocks for Long Run • Stock Markets’ Role in the Economy • Financial Intermediation
15 trang | Chia sẻ: nguyenlinh90 | Ngày: 19/07/2019 | Lượt xem: 775 | Lượt tải: 0
Topics under Discussion • Stocks • Risk and the Value of Stocks • Theory of Efficient Markets • Investing in Stocks for Long Run • Stock Markets’ Role in the Economy • Financial Intermediation • Role of Financial Intermediaries
32 trang | Chia sẻ: nguyenlinh90 | Ngày: 19/07/2019 | Lượt xem: 709 | Lượt tải: 0
Review of the Previous Lecture • Bonds and Their Characteristics • Stocks • Essential Characteristics • Process • Measuring Level of a Stock Market
23 trang | Chia sẻ: nguyenlinh90 | Ngày: 19/07/2019 | Lượt xem: 806 | Lượt tải: 0
The Liquidity Premium Theory • Risk is the key to understanding the slope of the yield curve • The yield curve’s upward slope is due to long-term bonds being riskier than shortterm bonds • Bondholders face both inflation and interest-rate. The longer the term the greater the inflation and interest-rate risk
25 trang | Chia sẻ: nguyenlinh90 | Ngày: 19/07/2019 | Lượt xem: 810 | Lượt tải: 0