ASSIGNMENT代写

麦吉尔代写Assignment:资本风险

2017-02-04 14:45

资本风险或破产风险被定义为破产风险的纳斯达克,这意味着一个公司无法满足其债务。对于银行来说,破产风险是指银行不能对客户的需求做出反应,而资产则可以偿付债务。当银行没有现金流或银行资产不足时,风险就更大。和银行破产风险有三种类型:风险限制在一个单一的银行,对银行系统的风险和风险的财务困境的沉默形式(热拉尔和达妮埃拉,1996)。在这场全球金融危机中,银行遭受了过度银行系统的破产风险银行破产风险的影响是显而易见的。银行不能清偿债务,减轻损失的唯一办法就是宣布破产,这意味着银行必须停止日常业务,必须支付股东和债务人,政府或其他机构必须接管银行。并证明了有破产风险和潜在增长之间的权衡(Kjell和兰迪,2010)。银行破产风险高,银行享受潜在增长的可能性大。上述风险、交易对手风险、利率风险和流动性风险与银行的破产有着高度的联系。区别银行破产和非金融破产的特征是传染风险或系统性风险的可能性(热拉尔和达妮埃拉,1996)。当破产发生时,对系统或蔓延的风险来源。许多银行将不得不处理这些问题。

麦吉尔代写Assignment:资本风险

The capital risk or insolvency risk is defined as bankruptcy risk by NASDAQ which means a firm is unable to satisfy its debt. For banks, the insolvency risk is that the banks cannot respond to the demand of the customers and the assets could cover the debts. The risk is greater when banks have little cash flow or when banks have poor assets. And banks insolvency risk has three types: risk limited to a single bank, risk over banking system and risk in a silent form of financial distress (Gerard and Daniela, 1996). In this global financial crisis, the banks suffered from the over banking system insolvency risk.
The impact of insolvency risk for banks is obvious. The banks fail their debts and the only way to mitigate the loss is to declare bankruptcy, which means the banks have to stop the daily businesses, the shareholders and debtors have to be paid and the government or other institutions have to take over the banks. And it is proved that there is a tradeoff between the bankruptcy risk and the potential growth (Kjell and Randi, 2010). The high the bankruptcy risk a bank suffers from, the large possibility of potential growth a bank enjoys.
The risks mentioned above, the counterparty risk, the interest rate risk and the liquidity risk are highly connected with the insolvency of the banks. And the character distinguishes bank insolvency from non-financial insolvency is the possibility of a contagion risk or systemic risk (Gerard and Daniela, 1996). When insolvencies occur, the systemic or the contagion risk comes. Many banks will have to deal with these problems.
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