《宏观经济学》课程教学资源（PPT课件，双语版）Chapter 6 Banking Industry

Chapter 6-Barkingndustry

Chapter 6 Banking Industry

看哪家银行的英文缩写最牛 中国建设银行ccB( China Construction Bank)-“存存吧!” 中国银行Bc-( Bank of china)-“不存!” 中国农业银行ABG一( Agricultural Bank of China)一“啊,不存!” 中国工商银行cBc-( ndustry and Commercial Bank of china)-“爱存不存!” 国家开发银行-cDB( China Development Bank)-“存点吧!” 民生银行一cMBc( China Minsheng Banking Corp, LTD.)-“存吗?不存!

看哪家银行的英文缩写最牛 • 中国建设银行CCB—（China Construction Bank ）－“存存吧！” • 中国银行BC －（Bank of China）－“不存！” • 中国农业银行ABC －（Agricultural Bank of China）－“啊，不存！” • 中国工商银行ICBC －（Industry and Commercial Bank of China）－“爱存不存！” • 国家开发银行－CDB（China Development Bank）— “存点吧！” • 民生银行－CMBC（China Minsheng Banking Corp.LTD.）－“存吗？不存！

In this chapter, we examine how banking is conducted(运营)to earn the highest profits possible(可能 的利润 how and why banks make loans(贷款) how they acquire(取得) funds and manage their assets(资产)and iabilities(负债)

In this chapter, we examine • how banking is conducted（运营） to earn the highest profits possible（可能 的利润） • how and why banks make loans （贷款） • how they acquire（取得） funds and manage their assets（资产） and liabilities（负债）

1. The bank balance sheet (资产负债表) It is a list of the bank's assets and iabilities列出了银行资产和负债的表 · This list balances(平衡), that is total assetstotal liabilities+capital 资产总额=负债总额+资本金

1. The bank balance sheet （资产负债表） • It is a list of the bank’s assets and liabilities.列出了银行资产和负债的表 • This list balances(平衡), that is, total assets=total liabilities+capital 资产总额＝负债总额＋资本金

balance sheet of all banks in america 999 资产(资金运用) 债务(资金来源) 准备金 1支票存款 II 应收现金项目+ 非交易性存款 银行同业存款 小额定期存款(小于10万美元) 证券 储蓄存款 37 联邦改府及其机构 14 大额定期存款 15 州和地方政府及其他 8借款 29 贷款 银行资本 8 工商业 18 房地产 26 消费者 银行间 其他 497 其他资产(如实物资本) NEXT 合计 100

balance sheet of all banks in America,1999

1.1 Liabilities- Checkable deposits Checkable deposits are bank/accounts that allow the owner of the account to write checks to third parties支票存款是 允许账户持有者向第三方签发支票的银行账户。 o It includes: non-interest-bearing checking accounts不计息支票账户 ( demand deposits活期存款), interest bearing Now(negotiable order of withdrawal) accounts计息的可转让提款通 知书账户, and money market deposit accounts货币市场存款账户 MMDAS)

1.1 Liabilities－ Checkable deposits • Checkable deposits are bank accounts that allow the owner of the account to write checks to third parties.支票存款是 允许账户持有者向第三方签发支票的银行账户。 • It includes: non-interest-bearing checking accounts不计息支票账户 (demand deposits活期存款), interest￾bearing NOW (negotiable order of withdrawal) accounts计息的可转让提款通 知书账户, and money market deposit accounts 货币市场存款账户(MMDAs)

11 Liabilities- Nontransaction Deposits非交易性存款 Nontransaction deposits are the primary source of bank funds. (52%) Owners cannot write checks on it but the interest rates are usually higher than those on checkable deposits. The two basic types of nontransaction deposits: savings deposits储蓄存款 time deposits定期存款( also called certificates of deposit, or CDs) BACK Include small and large denominatio

1.1 Liabilities－ Nontransaction Deposits非交易性存款 • Nontransaction deposits are the primary source of bank funds. （52%） Owners cannot write checks on it, but the interest rates are usually higher than those on checkable deposits. • The two basic types of nontransaction deposits: savings deposits 储蓄存款 time deposits 定期存款(also called certificates of deposit, or CDs) Include small and large denomination

11 Liabilities- Borrowings借款 Banks obtain funds by borrowing from the Federal Reserve System (联邦储备体系), other banks, and corporations discount loan贴现贷款 overnight funds隔夜资金 repurchase agreements回购协议 BACK

1.1 Liabilities－ Borrowings借款 • Banks obtain funds by borrowing from the Federal Reserve System （联邦储备体系）, other banks, and corporations. • discount loan 贴现贷款 • overnight funds 隔夜资金 • repurchase agreements 回购协议

11 Liabilities- bank capital银行姿本 Bank capital is the bank's het worth 净值, which equals the difference差额 between total assets and liabilities (8% in the table The funds are raised by selling new equity(stock)or from retained earnings银行资本是通过销售新股权(股票) 或留存收益而获得的。 BACK

1.1 Liabilities－ bank capital 银行资本 • Bank capital is the bank’s net worth 净值, which equals the difference差额 between total assets and liabilities (8% in the table) • The funds are raised by selling new equity (stock) or from retained earnings.银行资本是通过销售新股权（股票） 或留存收益而获得的

1…2 Assets- Reserves 准备金( reserves)是指金融机构为保证客户提 取存款和资金清算需要而准备的在中央银行的存 款,和银行的库存现金 vault cash)。 ● Reserves= vault cash requried reserves法定存款准备金 exess reserves超额存款准备金

1.2 Assets－Reserves • 准备金(reserves)是指金融机构为保证客户提 取存款和资金清算需要而准备的在中央银行的存 款，和银行的库存现金(vault cash)。 • Reserves= vault cash +requried reserves 法定存款准备金 +excess reserves 超额存款准备金