中央兰开夏论文代写:流动性风险

Keywords:中央兰开夏论文代写

中央兰开夏论文代写 至于流动性风险，则作为存款人的信用损失。传统上，当有一家银行资不抵债时，首先是因为担心储户对银行的经营，那么由于下面的大额存款流出，银行就出现了流动性风险。收入和支出和资金导致的流动性风险管理信息系统的组成结构（Holmstrom和tirele，1998；杨和王，2011）。如今，流动性风险更多的来自于贷款和银行金融安排（马蒂亚斯和克列奥帕特拉，2010；菲利普，2012）。

中央兰开夏论文代写:流动性风险

As to liquidity risk, it is taken as faith loss in the banks of depositors. Traditionally, when there is a bank insolvent, firstly because of the worries from depositors about the run of the bank, then because of the following large amount of deposits outflows, there the bank comes to the liquidity risk. The misconstruction of revenues and outlays and the mis-composition of capital lead to liquidity risk (Holmstrom and Tirele, 1998; Yang and Wang, 2011). Nowadays, the liquidity risk more comes from the lending and interbank financial arrangements (Mathias and Kleopatra, 2010; Philip, 2012). These understandings of liquidity risk related to banks may be summarized as forms of the funding liquidity risk. According to IMF (2008), banks facing funding liquidity risk cannot service their liabilities as they fall due. Banks are known to be subject to this risk since Bagehot(1873). The other form of liquidity risk is asset liquidity risk, which means transactions cannot be executed because of the illiquidity of the underlying (Jorge, Srobona & Li, 2007; Gregory, 2010, p.2).
It is obvious that banks with liquidity risk have problems in meeting its current and future, expected or unexpected, cash flows without affecting its daily operations. It will also be difficult for those banks to keep ideal composition of its assets and debts and to transform the debt maturity. All these hinder banks from daily run, and at last, the meet of the debt obligations makes those banks suffer from unacceptably large loss.