金融机构管理第五版课后答案中文.pdf
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金融机构管理第五版课后答案中文
【篇一：金融机构管理习题答案020】
txtcapitaladequacy
chapteroutline
introduction
capitalandinsolvencyrisk
capital
themarketvalueofcapital
thebookvalueofcapital
thediscrepancybetweenthemarketandbookvaluesofequity
argumentsagainstmarketvalueaccounting
actualcapitalrules
thecapital-assetsratio(orleverageratio)
risk-basedcapitalratios
calculatingrisk-basedcapitalratios
capitalrequirementsforotherfis
securitiesfirms
lifeinsurance
property-casualtyinsurance
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summary
appendix20a:internalratingsbasedapproachtomeasuring
creditrisk-adjustedassets
solutionsforend-of-chapterquestionsandproblems:chapter
twenty
1.identifyandbrieflydiscusstheimportanceofthefive
functionsofanfi’scapital
capitalservesasaprimarycushionagainstoperatinglosses
andunexpectedlossesinthevalueofassets(suchasthe
failureofaloan).fisneedtoholdenoughcapitaltoprovide
confidencetouninsuredcreditorsthattheycanwithstand
reasonableshockstothevalueoftheirassets.inaddition,the
fdic,whichguaranteesdeposits,isconcernedthatsufficient
capitalisheldsothattheirfundsareprotected,becausethey
areresponsibleforpayinginsureddepositorsintheeventofa
failure.thisprotectionofthefdicfundsincludesthe
protectionofthefiownersagainstincreasesininsurance
premiums.
finally,capitalalsoservesasasourceoffinancingto
purchaseandinvestinassets.
financialinstitution
regula