TAILIEUCHUNG - Lecture Financial markets and institutions (4/e) – Chapter 13

After studying chapter 13, you should be able to: Define the “riskiness” of a capital investment project; understand how cash-flow riskiness for a particular period is measured, including the concepts of expected value, standard deviation, and coefficient of variation; describe methods for assessing total project risk, including a probability approach and a simulation approach. | 8- McGraw-Hill/Irwin Chapter Thirteen Regulation of Commercial Banks 13- McGraw-Hill/Irwin Commercial Banks Commercial banks provide many unique services information, liquidity, price-risk reduction, transaction cost, maturity intermediation, and payment services money supply transmission, credit allocation, intergenerational wealth transfers, and denomination intermediation Failure to provide these services can be costly to both users and suppliers of funds Accordingly, commercial banks are regulated at the federal (and sometimes state) level 13- McGraw-Hill/Irwin Commercial Bank Regulation Safety and soundness regulation assets must be diversified: cannot make loans greater than 10% of their equity capital to any one borrower must maintain adequate equity capital levels to protect against insolvency risk provision of guarantee funds such as the Deposit Insurance Fund (DIF) protects depositors in the event of default and prevents bank runs monitoring and surveillance: banks must submit (publicly accessible) quarterly reports and are subject to on-site examinations 13- McGraw-Hill/Irwin Commercial Bank Regulation Monetary policy regulation the Central Bank (the Federal Reserve) directly controls the quantity of notes and coin (., outside money) in the economy however, the bulk of the money supply is held as bank deposits, called inside money regulators require cash reserves to be held at commercial banks 13- McGraw-Hill/Irwin Commercial Bank Regulation Credit allocation regulation regulators encourage (and often require) lending to socially important sectors of the economy (., housing and farming) usury laws cap interest rates that can be charged on loans Investor protection regulation protects investors against insider trading, lack of disclosure, malfeasance, and breach of fiduciary responsibility 13- McGraw-Hill/Irwin Commercial Bank Regulation Entry and chartering regulation the entry of commercial banks is .

• Tài chính doanh nghiệp
• Financial management
• Fundamentals of financial management
• Financing decisions
• Investment decisions
• Role of management
• Financial management function
• Financial statement
• International trade transactions
• Financial statement analysis
• International financial management
• Quản lý tài chính
• Multinational financial management
• Exchange rates
• Financial environments
• Overview of Financial Management and the Financial Environment
• The financial environment
• Forms of business organization
• Determinants of stock pricing
• Financial instruments
• Practical financial management
• Financial background
• Financial statements
• Financial planning
• Financial system
• Financial ratio
• IT financial management
• Setting the scene
• IT financial management maturity
• Parameters influencing IT financial management
• Costs of IT financial management
• More quantifiable benefits
• Overview of roles
• Hospitality financial management
• Hospitality industry management
• Analysis of financial reports
• Analyzing financial statements
• Management decision making
• Foundations of financial management
• Review of accounting
• Financial analysis
• Financial forecasting
• The financing decision
• Financial leverage
• Current asset management
• Paper F7
• Revision kit 2016
• Management Financial
• Financial Management Exam Review
• Review of Financial Management
• Study text 2016
• Lecture Multinational financial management
• International financial reporting standards
• Foreign exchange risk management
• International cash management
• Cash flow analysis
• Centralized cash management
• Intermediate financial management
• Financial options
• Corporate valuation
• Corporate governance
• Financial markets
• Cash flow
• Analysis of financial statements
• Ratio analysis
• Interest rates
• Financial institutions
• Forecasting sales
• Business environment
• Limited liability company
• Common size analysis
• Statement analysis
• Break even analysis
• Break even point