wholesale metal jewelry rings What is the content of the government's supervision of the banking industry and the principle of the camel in the financial science?
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wholesale jewelry boxes houston Camel principle is Camels.
c (Capital) represents capital. The most important capital forms of commercial banks are different due to the different forms of property rights. The main form of joint -stock commercial bank capital is equity.
a (asset) represents assets. The quality of commercial bank assets is a issue that government regulators are concerned. Regulators obtained the overall evaluation of the bank through inspection of asset scale, structure, and bank work procedures.
m () represents management. It is used to evaluate the quality and performance of bank managers including board members. The banks operating under the same conditions depends on the management ability of the manager to a large extent.
e (Earning) represents benefits. The profitability of banks is mainly measured by banks' asset yields and capital yields. The important thing is that the comparison of these two indicators is meaningful.
L (liquidity) represents the ability to settle. It is used to measure banks to meet the demand for withdrawal and borrowing without having to sell their assets. Government supervision is mainly to evaluate banks' current claims and future changes.
s (To Market Risk) represents the sensitivity of market risks. It is used to measure market risks such as bank management interest rate risks and foreign exchange risks.
Pucting information:
The bank industry supervision is an important part of a country's financial supervision system. Although in different historical periods, the content, means and degree of financial supervision of various countries have changed, compared with other industries, the financial industry with the banking industry as the main body has always been the strictest industry in various countries. The reason is mainly determined by the special nature of the financial industry and its important position in the modern market economy.
First of all, today, with the increasingly globalization, capitalization, and electronicization of the world economy, finance no longer plays a simple "tool" or "intermediary" role. The role of becoming a key factor in the economic development of a country.
This, the stability and efficiency of the financial industry are directly related to the development of the economy, the stability of society, and even the security of the country. It is necessary to strictly supervise the financial industry to ensure the security and efficient operation of the financial system.
Secondly, financial institutions such as banks are facing the public, and its operations are closely related to the public trust and have distinctive public characteristics. Relatively speaking, banks are a non -free competition industry and have a certain monopoly, which will inevitably affect the role of market mechanisms.
It, due to the needs of security or protecting customers' financial information confidential, bank information disclosure is not high, resulting in asymmetric information for the public, making it difficult for the public to make accurate judgments on the risks and performance of financial institutions.
Therefore, it is necessary to effectively monitor the behavior of financial institutions from external, to regulate the relatively failure of market mechanisms brought about by monopoly, reduce the difficulty of evaluation and supervision caused by information asymmetry, and achieve the purpose of protecting public interests.
again, the financial industry, especially the banking industry, has special risks. Different from ordinary industrial and commercial enterprises, high -liabilities and unsecured liabilities are the basic features of bank operations. Deposit customers can request for redemption at any time. This special business method can easily cause risks to gather and amplify. Once a phenomenon or other occurs occur, other squeezes or other other are The operating crisis is often not only a single bank, but also affects other banks and even the entire banking system, causing a systemic financial crisis.
Since the second half of the 20th century, the globalization of the financial market and the active of financial innovation, while promoting the rapid development of the financial industry, has also greatly exacerbated the risk of the financial system, and challenged the traditional regulatory system, challenged the traditional regulatory system, and challenged it. New requirements are made. In this case, strengthening the supervision of the banking industry is particularly important, which has become the consensus of regulators and experts and scholars in various countries.
The national financial regulatory agencies to the external supervision of the banking industry and the self -discipline supervision of banking financial institutions are complementary. The external supervision of the national financial regulatory agency aims to protect the macro stability of social public interests and protect the financial order, focusing on and resolving the risk of banking industry, and plays a leading role in banking supervision.
, like other external regulatory systems, external supervision of financial regulatory agencies inevitably has lagging and regulatory blind spots, especially for some high -risk businesses of financial institutions, such as banks represented by financial derivatives. For off -table business, it is difficult for regulatory departments to supervise in a timely manner.
From the end of the 20th century, with the challenges of financial innovation to the traditional bank supervision system, countries generally attach great importance to the self -discipline management of financial institutions, and have legislative and require financial institutions such as banks to strengthen self -supervision with internal risk control as the core of self -supervision. And formulate standard guidance banks to conduct internal consideration and evaluation of their own risks. It can be seen that the internal self -discipline supervision of banking financial institutions is a necessary beneficial supplement for external supervision of government regulators.
usa made wholesale jewelry Camel principle is Camels.
c (Capital) represents capital. The most important capital forms of commercial banks are different due to the different forms of property rights. The main form of joint -stock commercial bank capital is equity.
a (asset) represents assets. The quality of commercial bank assets is a issue that government regulators are concerned. Regulators obtained the overall evaluation of the bank through inspection of asset scale, structure, and bank work procedures.
m () represents management. It is used to evaluate the quality and performance of bank managers including board members. The banks operating under the same conditions depends on the management ability of the manager to a large extent.
e (Earning) represents benefits. The profitability of banks is mainly measured by banks' asset yields and capital yields. The important thing is that the comparison of these two indicators is meaningful.
L (liquidity) represents the ability to settle. It is used to measure banks to meet the demand for withdrawal and borrowing without having to sell their assets. Government supervision is mainly to evaluate banks' current claims and future changes.
s (To Market Risk) represents the sensitivity of market risks. It is used to measure market risks such as bank management interest rate risks and foreign exchange risks.
If financial significance:
Financial is the general name of currency circulation and credit activities, as well as linked economic activities. Economic activities, even the buying and selling of gold and silver, the narrow financial financial specifically refers to the integration of credit currency.
The content of finance can be summarized as the issuance and recovery of currency, the absorption and payment of deposits, the payment and recycling of loans, the purchase and sale of gold and silver, and foreign exchange, the issuance and transfer of securities Currency settlement and so on.
The institutions engaged in financial activities include banks, trust investment companies, insurance companies, securities companies, as well as credit cooperatives, financial companies, investment trust companies, financial leasing companies, securities, gold and silver, foreign exchange exchange, etc.
western jewelry making supplies wholesale "Camels (Camel) Principles": C represents capital, A represents assets, M represents management, E represents income, L represents the settlement power, S represents market risk sensitivity.
Cuan content content mainly includes: the access of the banking industry; the sufficientness of bank capital; the ability to clear the bank; the scope of bank business activities; the concentration of loans
wholesale crystals for jewelry In foreign countries, the regulatory authorities use their respective risk rating systems to strengthen effective supervision of commercial banks. Because these rating systems are based on capital adequateness and asset security, and the lead letters of these indicators just form an English word "camel", it is called the "camel" rating method.
wholesale jewelry making supplies usa Camel (Camel) Principle, Capital Asset Management Revenue Calculation Revolution