9 同桥大学 经济与管理学院 TONGJI UNIVERSITY SCHOOL OF ECONOMICS MANAGEMENT Chapter 5 Financial Institutions 柏新华保险 B BAN K 保险 汇丰银行 自泰碧安证 GUOTAI JUNAN 9-10楼
Chapter 5 Financial Institutions
The Economics of Money and Banking Chapter 5 Financial Institutions 》Agenda The Economics of Financial Intermediation Classification of Financial Intermediaries : ● ■ China's Financial Institutions ● 2 GUO YING SEM TONGJI UNIVERSITY
The Economics of Money and Banking 2 GUO YING SEM TONGJI UNIVERSITY The Economics of Financial Intermediation Classification of Financial Intermediaries China’s Financial Institutions Chapter 5 Financial Institutions Agenda
The Economics of Money and Banking Chapter 5 Financial Institutions Figure 1 A Summary of the Role of Financial Intermediaries 1.Pooling savings Accepting resources from a large number of small savers/ Financial Intermediation The Economics of lenders in order to provide large loans to borrowers. 2.Safekeeping and accounting Keeping depositors'savings safe,giving them access to the payments system,and providing them with accounting statements that help them to track their income and expenditures. 3.Providing liquidity Allowing depositors to transform their financial assets into money quickly,easily,and at low cost. 4.Diversifying risk Providing investors with the ability to diversify even small investments. 5.Collecting and processing information services Generating large amounts of standardized financial information
The Economics of Money and Banking 3 GUO YING SEM TONGJI UNIVERSITY 1Financial Intermediation The Economics of Chapter 5 Financial Institutions Figure 1 A Summary of the Role of Financial Intermediaries
The Economics of Money and Banking Chapter 5 Financial Institutions >>Bank Financial Institutions 2 A:Central Bank Intermediaries The central bank of a nation is the core of its financial system and has Classification of Financial a special position and functions. Bank of issueissue and regulate currency Banker's bank:lender of last resort banker to the state/government 4 GUO YING SEM TONGJI UNIVERSITY
The Economics of Money and Banking 4 GUO YING SEM TONGJI UNIVERSITY 2 Bank Financial Institutions The central bank of a nation is the core of its financial system and has a special position and functions. Chapter 5 Financial Institutions Intermediaries Classification of Financial Bank of issue： issue and regulate currency Banker’s bank: lender of last resort banker to the state/government A: Central Bank
The Economics of Money and Banking Chapter 5 Financial Institutions >>Bank Financial Institutions 2 B:Depository institutions or depositories Intermediaries Depository institutions or depositories refer to those financial Classification of Financial intermediaries that raise funds by accepting demand deposits,savings deposits and time deposits and then use those funds for making various loans and buying securities Commercial banks Credit cooperatives 5 GUO YING SEM TONGJI UNIVERSITY
The Economics of Money and Banking 5 GUO YING SEM TONGJI UNIVERSITY 2 Bank Financial Institutions Depository institutions or depositories refer to those financial intermediaries that raise funds by accepting demand deposits, savings deposits and time deposits and then use those funds for making various loans and buying securities Chapter 5 Financial Institutions Intermediaries Classification of Financial Commercial banks Credit cooperatives B: Depository institutions or depositories