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assignment代写:银行储蓄的运用 Deposit Mobilisation in Banks

时间:2017-08-02 20:50:26 来源:www.ukthesis.org 作者:英国论文网 点击联系客服: 客服:Damien
储蓄运用是为了满足一个“银行业务”的要求,对传统的金融机构或银行的重要职能之一。连续和充足的存款运用会确保银行能够维持其贷款和投资业务,从而招致未来增长的利润。然而,不同类型具有截然不同的特点和特征,提出不同的风险和成本的银行。因此,在许多情况下,储蓄运用策略主要依赖于银行的资产负债管理政策,银行和储户之间的权利义务关系,双方根据自然存款动员。该银行履行其职责的能力是银行的被大众接受的一项重要措施,或到其他银行比较尺度。
 
Deposit mobilisation is one of the crucial functions of a conventional financialinstitutions or banks to satisfy one of the requirements of a "banking business", i.e.sourcing of funds or borrowing money from customers.Continuous and adequate deposit mobilisation would ensure the bank shall be able tosustain its business of lending and investing, thus incurring profit for future growth.Nevertheless, different types of deposits have different and distinct characteristics andfeatures which in consequence impose different risks and costs to the banks. Therefore, inmany cases, deposit mobilisation strategy relies heavily to the banks' asset and liabilitymanagement policy.In a relationship between bank and depositors, the rights and duties for both parties varyaccording to the nature of deposit mobilisation. The ability of the bank to fulfil their duties is an important measure of the bank's acceptance by the public, or by far as acomparison yardstick with other banks.
 
Deposit mobilisation of a bank and its importance
a.
 
Introduction 简介
 
Banks mobilise deposits as their primary source of funds. Having optimaldeposits level, banks shall be able to lend the funds to generate interest onlending. In addition to lending, the deposits fund can be placed in certaininvestments avenues which suits the banks' or the deposits' objectives.Deposit mobilisation is a continuous function for a bank to ensure the sumtotal of deposits at any time adequate to maintain the current level of lending and investments especially to compensate the withdrawals madeby depositors. Usually, the deposits level is kept slightly or certainpercentages above the lending and investments level to ensure the bank has adequate cash reserves to meet expected withdrawals and alsorecurring withdrawals. The cash reserves are called Liquidity Reserves.Deposits bring costs to the banks, either on the maintenance of thedeposits and its transactions or on the interest payout onto the depositsupon deposit maturity.b.
 
How Bank Mobilises Deposits
 
Bank receives deposits from individuals, organisations and businesses,initially by opening an account with the bank itself. Based on the types of deposits, minimum initial deposits are set together with the rules andregulations governing the accounts.Subsequent deposits can be made into the accounts, except for timedeposits where the amount is fixed until deposit maturity.Depositors maintain deposits with specific banks due to many factors, butin particular trust and confidence with the banks are the major factors.Once these are established, the banks continuously attract depositors anddeposits by providing convenience banking, quality services, excellentbrand association and higher interest payout.However, there are instances where depositors put their money into thebanks mainly for security purposes, i.e. the banks to protect their moneyfrom loss and theft and also warrant the deposits from investment loss. Assuch in Malaysia the government provides guarantee upon deposits placedwith commercial banks.#p#分页标题#e#
 
 
Banks are competing against each other to attract deposits and newdepositors. Normally interest payout rates, locations and services are themain attractions to the mass market. However, some banks are going intothe niche markets and thus providing specific attractions to the targetedmarket segment. One example is the pensioners group, where specificproducts are developed with special features which suit their lifestyles.Sometimes banks do promotions with door-gifts, lucky draw, establishsavings clubs, "staff get customers" programme and else to ensure thedepositors' base and deposits keep growing and to instil loyalty to thedepositors.Some deposits products have also grown from a single purpose deposits tocombined purpose products to meet higher expectations from customers.For example, attachment of insurance scheme, combination with debitcard, etc.c.
 
The importance of deposits
 
Deposits are the primary source of funds for a bank, which facilitates theuses of funds (loans and investments). The higher the deposits amount, thebigger the lending and investments portfolio can be maintained by thebanks to sustain its expansion and future growth.The banks must have adequate deposits to meet the lending volumerequired by the public and at the same time maintain extra cash for withdrawals by depositors. The cash reserve is a component of liquidityreserves which measure the ability of the bank to meet its expectedwithdrawals and recurring withdrawals. The withdrawals made from thereserves are oddly-offset against new deposits which the banks shouldcontinuously mobilise. The inability to get sufficient deposits could resultin negative fund situation.The level of deposits growth also indicates the bank's performance inrelation to customers' satisfaction on interest payout and servicesrendered.d.
 
Deposits as key liquidity indicator
 
Deposits are made mainly in cash, the most liquid asset for banks. Oncewithdrawal requests are made by depositors, banks must immediatelyprovide cash for that particular purpose. As compared to other liquiditycomponents such as short term investments which take time to beconverted into cash, it is rather wise for a bank to simply get moredeposits beyond the withdrawal amount.
 
 
However, the percentage of the cash reserves must be kept at optimumlevel. Idle cash does not create profit, but in fact, brings additional costs interms of storage and insurance. Therefore, by maintaining cash reserves atoptimal level enables bank to generate maximum profits from lending andinvestment activities.The costs for cash reserves are mainly on the storage and insurance. Thestorage of cash reserves involves the requirement for adequate vaultrooms, cash in-transit security and cash handling at branches. Theinsurance costs are to cover the amount of cash available anytime atbranches or in-transit from loss, fire and theft. It generally covers themaximum cash amount allowed at branches or in-transit.#p#分页标题#e#
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