代写被抓：银行的风险承担
代写被抓：银行的风险承担
到1997年结束时，贵格会国家银行的资源总额为4.1亿美元。该市场有295名全职雇员和管理人员，有11个办事处。1998年上半年，贵格会执行副总裁马修·基利安先生审阅了他为亚非法协保留的财务数据。董事长和首席执行官董事会已经任命布莱斯·威尔逊先生担任该职位。在这些行政人员就职后，威尔逊先生在1997年10月17日答复《国家银行审查报告》时要求基利安先生。关于该银行的程序和政策，该报告对控制和监测风险状况至关重要。银行的业绩是由威尔逊先生完成的，并在评估完成后立即由基利安先生进行审查。他们指出了三个令人关切的领域。首先，他们的判断是，银行在流动性风险和利率方面的敞口相对于盈利表现和资本实力过高。
代写被抓：银行的风险承担
其次，该行进行的融资占其总资产的25%，是同行银行12%左右平均融资的两倍多。过去几周，基利安先生一直在评估贵格会的财务状况和经营业绩。他还设计了财务报告的信息系统，这将有助于管理银行的资源，以应付审查员的批评。基利安先生对贵格会业绩的分析一直是将八家银行1997年和1996年的财务数据汇总在一起。1996年下半年，新的审查员对风险监督的新方案作了介绍。OCC(货币监理署)手册可以识别9种类型的银行风险:信誉风险、合规风险、交易风险、战略风险、外汇风险、利率风险、市场风险、流动性风险和信贷风险。OCC项目的理论重新聚焦于银行的风险承担和风险管理程序。
代写被抓：银行的风险承担
By the termination of 1997, the total resources of Quaker National Bank were being $410 million. The market area was served by it with 295 full time employees and officers and was having 11 offices. By the first part of 1998, the Quaker Bank’s executive vice president, Mr. Matthew Killian reviewed the financial data that he has kept aside for ALCO (asset and liability management committee). The chairman and the board of chief executive officer have named Mr. Bryce Wilson for the post. After the executives assumed office, Mr. Wilson asked Mr. Killian in responding the national bank examiner report on 17 October, 1997. With regards to the procedures and the policies of the bank, the report was vital to control and monitor the positions of risk. The performance of the bank was done by Mr. Wilson to be reviewed by Mr. Killian immediately after the evaluation is completed. There were three areas of concern as noted by them. Firstly, their judgment has been that the exposure of the bank with respect to the liquidity risks and the interest rate has been too high in relation to the earning performance and capital strength.
代写被抓：银行的风险承担
Secondly, the funding carried out by the bank to the tune of 25 percent of its assets that has been more than double of the average funding done by Peer Bank of around 12 percent. Over the last few weeks, Mr. Killian has been evaluating the financial condition and the operating performance of Quaker. He also designed the financial report’s information system that will be useful to manage the resources of the bank in meeting the criticism of the examiner. The analysis of the performance of Quaker done by Mr. Killian has been with putting together the eight banks’ financial data for the years of 1997 and 1996. In the latter part of 1996, there was introduction by the new examiners with respect to the risk supervision’s new program. The OCC (Office of the Comptroller of the Currency) handbook could identify the banking risks of nine types: reputation risk, compliance, transaction, strategic, foreign exchange, interest rate, market, liquidity, and credit. The OCC program’s theory is refocusing on the risk taking of the bank and procedures of the risk management.
