banking
content
1.0 Banking risk 2
1.1 Credit Risk 2
1.2 Illegal lending risk 3
1.3 Illegal fund-raising risk 3
1.4 Financial swindling risk 3
2.0 Bank Risk Classification 4
2.1 Credit Risk 4
This is the main risk of commercial banks. Means of access to bank credit to support the possibility of a debtor can not repay on time and in accordance with the contractual principal and interest. In today's commercial banking business diversification, not only the traditional credit risk remains a major risk of commercial banks. Moreover, an important risk discounting, overdrafts, credit, interbank and securities underwriting business is also involved in the credit risk faced by commercial banks. Credit risk mainly in the following categories: 4
2.2 Interest rate risk 5
2.3 Liquidity risk 5
2.4 Market risk 6
3.0 Causes and consequences of bank failures 7
3.1 Banking panic 7
3.2 Reason 8
3.3 Consequences 9
4.0 Difference between bank and financial institution 9
5.0 Banking regulation 10
7.0 Central bank independence (CBI) 14
Legal independence 14
8.0 Reference 15
Part A
1.0 Banking risk
Bank risk refers to the possibility of the bank in operation due to various factors which lead to economic losses, or the possibility of the bank's assets and income losses suffered. Including credit risk. Illegal lending risk. Illegal fund-raising and other risks. The Bank is mainly exposed to interest rate risk, credit risk, exchange rate risk, market risk, legal risk, liquidity risk, operational risk, management risk, country risk, compliance risk and competitive risk.
The reason according to risk, generally can be divided into the following categories:
1.1 Credit Risk
Credit risk, also called default risk. Means the borrower can not repay the loan principal and interest required under the contract resulting bank losses, it is one of the major risks faced by commercial banks. For example, in recent years, China's economic reforms carried out, a number of
1.0 Banking risk 2
1.1 Credit Risk 2
1.2 Illegal lending risk 3
1.3 Illegal fund-raising risk 3
1.4 Financial swindling risk 3
2.0 Bank Risk Classification 4
2.1 Credit Risk 4
This is the main risk of commercial banks. Means of access to bank credit to support the possibility of a debtor can not repay on time and in accordance with the contractual principal and interest. In today's commercial banking business diversification, not only the traditional credit risk remains a major risk of commercial banks. Moreover, an important risk discounting, overdrafts, credit, interbank and securities underwriting business is also involved in the credit risk faced by commercial banks. Credit risk mainly in the following categories: 4
2.2 Interest rate risk 5
2.3 Liquidity risk 5
2.4 Market risk 6
3.0 Causes and consequences of bank failures 7
3.1 Banking panic 7
3.2 Reason 8
3.3 Consequences 9
4.0 Difference between bank and financial institution 9
5.0 Banking regulation 10
7.0 Central bank independence (CBI) 14
Legal independence 14
8.0 Reference 15
Part A
1.0 Banking risk
Bank risk refers to the possibility of the bank in operation due to various factors which lead to economic losses, or the possibility of the bank's assets and income losses suffered. Including credit risk. Illegal lending risk. Illegal fund-raising and other risks. The Bank is mainly exposed to interest rate risk, credit risk, exchange rate risk, market risk, legal risk, liquidity risk, operational risk, management risk, country risk, compliance risk and competitive risk.
The reason according to risk, generally can be divided into the following categories:
1.1 Credit Risk
Credit risk, also called default risk. Means the borrower can not repay the loan principal and interest required under the contract resulting bank losses, it is one of the major risks faced by commercial banks. For example, in recent years, China's economic reforms carried out, a number of