essay代写:风险的影响

2017-02-03 01:43

用风险的影响是多方向的，可以从双方的角度进行分析（菲德勒，1971，p.14）。当信贷极度扩张时，信贷风险通常伴随着普遍的损失、通货紧缩和经济萧条。相反，当有一个保守的信贷供应低于借款人的需要，生产，就业和收入坚持到低水平。这是在大萧条时期。信用风险也被认为是增加经济波动和加剧商业周期。信贷容易分散收入，在扩张阶段，它加剧了需求，在收缩阶段，它减少了供给。利率风险被认为是银行的财务状况对利率的不利变动的暴露（BIS，2001）。由于银行和现代机构借入短期资金通过存款、协议及衍生物和借长期通过贷款、成熟的失配揭露这些银行和金融机构的利率风险。利率变动、头寸变动的价值可能使银行蒙受巨大损失

essay代写:风险的影响

The impacts of credit risk are in many directions and can be analyzed from bilateral perspectives (Fiedler, 1971, p.14). The credit risk is often followed by widespread losses, deflation and economic depression when there is an extreme extension of credit. On the contrary, when there is a conservative supply of credit below the need of borrowers, the production, employment and income stick to the low level. This was highlighted during the Great Depression. The credit risk is also considered to augment the fluctuation of the economy and to aggravate the business cycle. The credit makes it easy to spread out of the income, in expansion phase, it intensifies the demand, and in contraction phase, it decreases the supply.
The interest rate risk is considered to be the exposure of banks financial condition to adverse movements in interest rate (BIS, 2001). As banks and modern institutions borrowed short term via deposits, agreements and derivates and lend long terms via loans, the mismatch of the maturity exposes those banks and institutions to the interest rate risk. The interest changes, the value of the positions changes which may make the banks suffer from great losses