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阿德萊德代寫assignment

Concepts and Issues in Banking代寫

•1.0  : A Review
1.1  Main functions and roles of banks
1.2  Financial intermediary role
1.3  The credit and lending activity
  1.3.1  Issues relating to C&L
  1.3.2  Risks in C&L
  1.3.3  Prudent lendin

Announcements
•Where we are….
•Learning Objectives
•Explain with examples main issues and concepts relating to banking learnt in earlier courses
•Demonstrate how they relate to credit and lending
•Relevant Readings
•Mainly PPTs
•Review relevant previous course materials other text, journal articles
•Class Activity #1
•How/why did banks come into existence?
(i.e. the theory of banking)
[Please come to class with some thoughts to share with us!]

1.1  Main functions and roles of banks
•Five traditional functions of financial systems
–Information production and resource allocation
–Corporate governance
–Risk management
–Savings mobilisation
–Exchange of goods and services
•Financial facilitator vs. financial centre view

(e.g. Beck, T., Degryse, H. And Kneer, C. (2012), Is more finance better? Disentangling intermediation and size effect of the financial system, Discussion Paper 2012–016, European Banking Centre.)

1.2  A bank is a financial intermediary
–Denomination divisibility
–Currency transformation
–Maturity flexibility
–Credit risk diversification
–Liquidity provision
•Class Activity #2
•What are the alternatives to banks/banking systems?

1.3  The credit and lending activity
•Lending is a primary component of a bank’s business
•Types of loans provided include:
–Personal
–Real estate
–Commercial and business
–Government
–Credit card
•1.3.1  Issues relating to C&L
•Asymmetric information
•Adverse selection
•Moral hazard
•Creditworthiness
Creditworthiness
•A creditworthy customer has
–A good credit rating/score
–Sufficient collateral for loans
–Ongoing, stable, sufficient income/cash flows to make timely loan payments
•One cause of the GFC
–The mortgage crisis--unqualified buyers were granted loans they could not reasonably be expected to pay back at all or  per agreed terms and conditions
The ripple effect of the mortgage crisis
•A bone–chilling worldwide experience:
–One single day, September 29, 2008, few short hours,
•over 1.6 trillion loss to American investors alone
•more than 5 trillion worldwide
–Institutions perished or required massive bail outs
–In US alone: more than 1.1 trillion in bail outs
–Millions of jobs, houses, dreams lost
–Governments debt–ridden, likely to default
–A remote possibility—a repeat of the great depression—suddenly a real prospect! 
•Class activity #3
•Say you would like to borrow $400,000 from a bank or other lender to purchase a house
•What sort of information would be gathering/ interested in?
•What might the bank/lender require?
•1.3.2  Risks in C&L
•Credit/default/counter party risk
•Interest rate risk
•Liquidity risk
•Capital/insolvency risk
•1.3.3  Prudent lending
•Creditworthiness
•Internal guidelines
•Regulatory guidelines
•National/global conditions
•Learning Objectives
1.1 Explain with examples main issues and concepts relating to banking learnt in earlier courses
1.2 Demonstrate how they relate to credit and lending
•Next week/lecture…
•Thank you!
See ya next time!

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