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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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金融机构管理第五版课后答案中文--第2页

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

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