Reference no: EM131066238
Question:
Suppliers of funds (Savers and/or Investors) have the option of purchasing financial assets such as stocks and bonds directly in the market place - or they can use the services of a financial intermediary such as a Commercial Bank.
- Describe how the financial intermediary is an "asset transformer."
- Discuss the important benefits provided to these suppliers of funds when using a financial intermediary such as a Commercial Bank.
- Discuss the major disadvantages for suppliers of funds in using a financial intermediary?
We distinguish commercial banks by total asset size. At one extreme, there are the very largest commercial banks with over $500 Billion in total assets and which include the Too Big to Fail banks.
- At the other extreme, there are the smaller commercial banks known as community banks with under $100 Million in total assets.
- Discuss the major differences found in the very largest commercial banks that are not found in the smaller ones.
- Core Deposits are different from Purchased Funds.
Itemize these differences and summarize the advantages and disadvantages of these different sources of funds to the Commercial Bank.
a) Explain why most banks maintain a high percentage of their total assets as loans and leases?
b) Explain the purpose of the Allowance for Loan Losses account. Why is this account is often the focus or auditors and regulators?
Among the many laws enacted that affect commercial bank, two important ones are the Financial Services Modernization Act (FSMA or Gramm-Leach-Bliley) and the The Wall Street Reform and Consumer Protection Act (Dodd-Frank Act, DFA).
What were the circumstances that led to these laws being passed?
Summarize the arguments both for and against making changes to these two Acts
What are the major differences and similarities in these laws from major banking Acts passed from the 1980 through 1991?
a) Describe the major advantages credit unions have as compared to commercial banks.
b) Describe the major disadvantages credit unions have as compared to commercial banks.
|
Evaluating systems thinking
: Think of the last time you visited a zoo. You visit the zoo to enjoy the wealth of variety of animals in their natural habitat. Next time you visit a zoo, notice that similar types of animals are presented together whereas ones that may be natural..
|
|
Key characteristics of the users of the products
: Determine the key characteristics of the users of the products and/or services of the health care provider you selected. Analyze the competitive environment of the health care provider you selected and recommend a course of action for strategic mar..
|
|
Find the maximum daily profit
: How many pairs of each style should be produced per day to obtain maximum profit? Find the maximum daily profit.
|
|
Prepare persuasive oral presentation on political issue
: Prepare a 6-7 minute PERSUASIVE oral presentation on an issue (political, social, environmental and so on). Identify an audience. For example, if you were going to speak about a local government issue, your audience could be residents from a partic..
|
|
Financial intermediary is an asset transformer
: Suppliers of funds (Savers and/or Investors) have the option of purchasing financial assets such as stocks and bonds directly in the market place - or they can use the services of a financial intermediary such as a Commercial Bank.
|
|
Use the z-score to determine which movies
: Descriptive statistics (mean, median, range, and standard deviation) for each of the four variables along with an explanation of what the descriptive statistics tell us about the motion picture industry.
|
|
What are the four aspects of the sick role model
: What are the four aspects of the sick role model (Parsons 1951)? According to Parsons, medicine is an institution for the social control of deviant behavior. Do you agree or disagree with this view? Why or why not?
|
|
How fluctuating price of oil impacts transportation industry
: How the fluctuating prices of oil/fuel impacts the Transportation industry? Discuss each mode of transportation. When oil prices drop trucking companies can concentrate on meeting demands, rather than fuel savings.
|
|
Systems flowchart for the purchase and payment processes
: Jones Memory Lane, Inc. restores photos for its clients and creates electronic images from the restored photos. The company also frames restored photos and creates sophisticated custom artworks.
|