金融机构管理习题答案027.docx

金融机构管理****题答案027
Chapter Twenty Seven
Loan Sales and Other Credit Risk Management Techniques
Chapter Outline
Introduction
Loan Sales
The Bank Loan Sales Market
?Definition of a Loan Sale
?Types of Loan Sales
?Types of Loan Sales Contracts
?The Buyers and the Sellers
Why Banks and Other FIs Sell Loans
?Reserve Requirements
?Fee Income
?Capital Costs
?Liquidity Risk
Factors Deterring Loan Sales Growth in the Future
?Access to the Commercial Paper Market
?Customer Relationship Effects


?Legal Concerns
Factors Encouraging Loan Sales Growth in the Future
?BIS Capital Requirements
?Market Value Accounting
?Asset Brokerage and Loan Trading
?Government Loan Sales
?Credit Ratings
?Purchase and Sale of Foreign Bank Loans
Summary
Chapter Twenty Seven
Loan Sales and Other Credit Risk Management Techniques
Chapter Outline
Introduction
Loan Sales
The Bank Loan Sales Market
?Definition of a Loan Sale
?Types of Loan Sales
?Types of Loan Sales Contracts
?The Buyers and the Sellers
Why Banks and Other FIs Sell Loans