四川大学：《货币银行学》课程教学资源（课件讲义，双语版）Chapter 6 Banks and other intermediaries

Chapter 6 Banks and other intermediaries 035v3

Chapter 6 Banks and Other Intermediaries

6. 1 The Nature of Financial Intermediation 中国建设银行 China Construction Bank 中国银行

6.1 The Nature of Financial Intermediation

6. 2 Depository Financial Institutions The deposit liabilities of these institutions form the cornerstones of the money supply. Generally speaking, commercial banks are the largest depository institutions

6.2 Depository Financial Institutions The deposit liabilities of these institutions form the cornerstones of the money supply. Generally speaking, commercial banks are the largest depository institutions

6.2. 1 Fundamentals of bank management

6.2.1 Fundamentals of bank management

6. 2. 2 They have financial claims on both the asset and liability sides of their balance sheet

6.2.2 They have financial claims on both the asset and liability sides of their balance sheet

>Liabilities represent a banks source of funds >Assets represent a banks uses of funds

ØLiabilities represent a bank’s source of funds. ØAssets represent a bank’s uses of funds

6.2.3 uses of bank funds 1. cash assets Reserves准备金(法定准备金和超额准备金): funds that a bank holds in the form of vault cash or deposits at the Federal reserve 应收现金项目 银行同业存款

6.2.3 uses of bank funds 1.cash assets ØReserves 准备金(法定准备金和超额准备金):funds that a bank holds in the form of vault cash or deposits at the Federal Reserve. Ø应收现金项目 Ø银行同业存款

2. government and agency securities 3. business loans consumer loans 5. mortgage loans 6. other loans 7. miscellaneous assets

2.government and agency securities 3.business loans 4.consumer loans 5.mortgage loans 6.other loans 7.miscellaneous assets

Why is it that no stocks are included among bank assets?

Why is it that no stocks are included among bank assets?

Commercial banks traditionally have barred by law from owning stocks

Commercial banks traditionally have barred by law from owning stocks