下面为大家整理一篇优秀的essay代写范文- The mobility of commercial bank flows，供大家参考学习，这篇论文讨论了商业银行的流动性。商业银行的流动性是指银行能够随时满足存款者的提现需求和借款者的正当贷款需求的能力。提及商业银行的流动性就会想到盈利性，因为这两者是相互矛盾的，商业银行流动性越强，其盈利性越低。而且流动性还有一定的风险，如果商业银行缺乏足够的流动性准备来随时应付即期负债的支付或满足贷款需求，就会引发挤兑风潮或银行信誉丧失的可能性。因此，商业银行的流动性管理十分重要。
The liquidity of commercial Banks refers to the ability of Banks to meet the withdrawal demand of depositors and the legitimate loan demand of borrowers at any time. When it comes to the liquidity of commercial Banks, profitability comes to mind, which is contradictory with each other. The stronger the liquidity of commercial Banks, the lower the profitability.
The higher the cash holdings, the higher the opportunity cost of cash, the lower the shortage cost. That's because if a lot of cash is left in the hands of the Banks, it gives up the opportunity cost of investing in other profitable investment opportunities. But if the bank is faced with a massive withdrawal by its depositors, the cash can be paid directly to them without having to be cashed out. So there must be a point at which the two meet, and that is the optimal amount of cash. But for Banks, they are certainly not willing to leave a lot of money behind the counter and invest as much as they can, which creates liquidity risk. Liquidity risk refers to the commercial Banks lack of sufficient liquidity to cope with debt at sight at any time payment or meet the demand for loans, raising the possibility of a run or bank credit loss. Therefore, the liquidity management of commercial Banks is very important.
Why is the loan-deposit ratio a composite index? This is because the loan-to-deposit ratio is equal to the number of loans over deposits. Loans represent current assets and deposits represent liabilities, so the ratio of the two is a combination of current assets and current liabilities. The higher the ratio, the less liquid the firm is, because the larger the number, the smaller the number of deposits than the number of loans. In the last three years, bank of China has a high liquidity risk, with data for nearly three years running at more than 75 percent, indicating that most of the cash of commercial Banks is used for loans. The construction bank was second, but the Numbers were large, and the agricultural bank was lower than the first two. According to international practice, deposit-loan ratio should not exceed 75%, but our country in order to improve the ability of banking service the real economy and strengthen the confidence of the development of the capital market in 2015, plans to cancel the deposit-loan ratio this restriction. Although national policies have liberalized the ratio of deposits to loans, the CSRC should strengthen supervision of this aspect and prevent it in advance. Since there is no numerical limit to the range of the loan-to-deposit ratio, what should be used to represent the liquidity ratio?
There is no numerical limit to the loan-deposit ratio, but the liquidity ratio is limited. The liquidity ratio of both RMB and foreign currency should be greater than or equal to 25%. On the other hand, the liquidity ratio is that the liquidity assets are better than the liquidity liabilities. From the macro perspective of the balance sheet, it can better represent the comprehensive liquidity index.
According to the data can be seen in figure 3, the currency liquidity ratios change is not big, tended to about 45%, more than 25% of the China banking regulatory commission regulations, so the three Banks in nearly three years of debt paying ability is good.
The three Banks have been able to repay debt well in the last three years, generally approaching about 60 per cent. Among them, agbank's performance is particularly outstanding, so it is more stable in the face of short-term solvency.
From 2014 to 2016, the ratio of loans to total assets of CCB was 0.55, 0.56 and 0.55, followed by bank of China 0.54, 0.53 and 0.54, and agricultural bank of China 0.51, 0.50 and 0.50. It can be seen that the loans of these three Banks account for half of the assets of this commercial bank. The main reason is that interest rate cuts since 2014 have reduced the cost of corporate loans and made companies more willing to borrow from Banks. Another aspect, "Internet +", driven by the rise of many Internet companies, even if China enters the new normal economic times, but the Internet enterprise's running cost relative to the entity enterprise low cost, less variety of rent, utilities, etc., so the virtual enterprise under the environment of pricing can be relatively lower, consumers prefer the virtual consumption. As a result, various factors have driven the amount of loans of commercial Banks to account for half of the total assets.
The ratio of owner's equity to total assets is called shareholder's equity ratio in financial statements. The higher the value, the stronger the solvency of commercial Banks. From 2014 to 2016, the shareholder equity ratio of bank of China was 0.10, 0.08 and 0.07 respectively. Agricultural bank: 0.06, 0.07, 0.07; China construction bank is: 0.07, 0.08 and 0.08. From these data, it can be concluded that China's commercial Banks are heavily indebted, and over 90% of enterprise assets are mainly liabilities. In the long term, this has serious implications for solvency.
According to the above analysis, except the liquidity ratio shows good solvency, other aspects show weak solvency. The liquidity of Chinese Banks is mainly controlled by the central bank, and the credit is also backed by the central bank. The various policies issued by the central bank take the whole commercial bank into consideration from the overall situation, but lack of a specific regulation on the asset business of individual commercial Banks. Lack of independence, and commercial Banks by the central bank this all long, so even if the shareholders' equity ratio and other data show the debt paying ability is not strong, also does not have a strong sense of anxiety. Compared with foreign countries, foreign Banks focus on internal management, asset management, liability management, comprehensive management of assets and liabilities are internal commercial Banks should be the external environment change initiative to liquidity management.
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The liquidity of commercial Banks refers to the ability of Banks to meet the withdrawal demand of depositors and the legitimate loan demand of borrowers at any time. When it comes to the liquidity of commercial Banks, profitability comes to mind, which is contradictory with each other. The stronger the liquidity of commercial Banks, the lower the profitability.
The higher the cash holdings, the higher the opportunity cost of cash, the lower the shortage cost. That's because if a lot of cash is left in the hands of the Banks, it gives up the opportunity cost of investing in other profitable investment opportunities. But if the bank is faced with a massive withdrawal by its depositors, the cash can be paid directly to them without having to be cashed out. So there must be a point at which the two meet, and that is the optimal amount of cash. But for Banks, they are certainly not willing to leave a lot of money behind the counter and invest as much as they can, which creates liquidity risk. Liquidity risk refers to the commercial Banks lack of sufficient liquidity to cope with debt at sight at any time payment or meet the demand for loans, raising the possibility of a run or bank credit loss. Therefore, the liquidity management of commercial Banks is very important.
Why is the loan-deposit ratio a composite index? This is because the loan-to-deposit ratio is equal to the number of loans over deposits. Loans represent current assets and deposits represent liabilities, so the ratio of the two is a combination of current assets and current liabilities. The higher the ratio, the less liquid the firm is, because the larger the number, the smaller the number of deposits than the number of loans. In the last three years, bank of China has a high liquidity risk, with data for nearly three years running at more than 75 percent, indicating that most of the cash of commercial Banks is used for loans. The construction bank was second, but the Numbers were large, and the agricultural bank was lower than the first two. According to international practice, deposit-loan ratio should not exceed 75%, but our country in order to improve the ability of banking service the real economy and strengthen the confidence of the development of the capital market in 2015, plans to cancel the deposit-loan ratio this restriction. Although national policies have liberalized the ratio of deposits to loans, the CSRC should strengthen supervision of this aspect and prevent it in advance. Since there is no numerical limit to the range of the loan-to-deposit ratio, what should be used to represent the liquidity ratio?
There is no numerical limit to the loan-deposit ratio, but the liquidity ratio is limited. The liquidity ratio of both RMB and foreign currency should be greater than or equal to 25%. On the other hand, the liquidity ratio is that the liquidity assets are better than the liquidity liabilities. From the macro perspective of the balance sheet, it can better represent the comprehensive liquidity index.
According to the data can be seen in figure 3, the currency liquidity ratios change is not big, tended to about 45%, more than 25% of the China banking regulatory commission regulations, so the three Banks in nearly three years of debt paying ability is good.
The three Banks have been able to repay debt well in the last three years, generally approaching about 60 per cent. Among them, agbank's performance is particularly outstanding, so it is more stable in the face of short-term solvency.
From 2014 to 2016, the ratio of loans to total assets of CCB was 0.55, 0.56 and 0.55, followed by bank of China 0.54, 0.53 and 0.54, and agricultural bank of China 0.51, 0.50 and 0.50. It can be seen that the loans of these three Banks account for half of the assets of this commercial bank. The main reason is that interest rate cuts since 2014 have reduced the cost of corporate loans and made companies more willing to borrow from Banks. Another aspect, "Internet +", driven by the rise of many Internet companies, even if China enters the new normal economic times, but the Internet enterprise's running cost relative to the entity enterprise low cost, less variety of rent, utilities, etc., so the virtual enterprise under the environment of pricing can be relatively lower, consumers prefer the virtual consumption. As a result, various factors have driven the amount of loans of commercial Banks to account for half of the total assets.
The ratio of owner's equity to total assets is called shareholder's equity ratio in financial statements. The higher the value, the stronger the solvency of commercial Banks. From 2014 to 2016, the shareholder equity ratio of bank of China was 0.10, 0.08 and 0.07 respectively. Agricultural bank: 0.06, 0.07, 0.07; China construction bank is: 0.07, 0.08 and 0.08. From these data, it can be concluded that China's commercial Banks are heavily indebted, and over 90% of enterprise assets are mainly liabilities. In the long term, this has serious implications for solvency.
According to the above analysis, except the liquidity ratio shows good solvency, other aspects show weak solvency. The liquidity of Chinese Banks is mainly controlled by the central bank, and the credit is also backed by the central bank. The various policies issued by the central bank take the whole commercial bank into consideration from the overall situation, but lack of a specific regulation on the asset business of individual commercial Banks. Lack of independence, and commercial Banks by the central bank this all long, so even if the shareholders' equity ratio and other data show the debt paying ability is not strong, also does not have a strong sense of anxiety. Compared with foreign countries, foreign Banks focus on internal management, asset management, liability management, comprehensive management of assets and liabilities are internal commercial Banks should be the external environment change initiative to liquidity management.
想要了解更多英国留学资讯或者需要英国代写，请关注51Due英国论文代写平台，51Due是一家专业的论文代写机构，专业辅导海外留学生的英文论文写作，主要业务有essay代写、paper代写、assignment代写。在这里，51Due致力于为留学生朋友提供高效优质的留学教育辅导服务，为广大留学生提升写作水平，帮助他们达成学业目标。如果您有essay代写需求，可以咨询我们的客服QQ：800020041。
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