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豌豆JO · 2024年04月04日

不太理解这道题在问什么以及答案的意思。

NO.PZ2020021601000013

问题如下:

Ivan Paulinic, an analyst at a large wealth management firm, meets with his supervisor to discuss adding financial institution equity securities to client portfolios.

Paulinic gathers data on three national banks that meet initial selection criteria but require further review.

All of the national banks under consideration primarily make long- term loans and source a significant portion of their funding from retail deposits. Paulinic and the rest of the research team note that the central bank is unwinding a long period of monetary easing as evidenced by two recent increases in the overnight funding rate. Paulinic informs his supervisor that:

Statement 1 Given the recently reported stronger- than- anticipated macroeconomic data, there is an imminent risk that the yield curve will invert.

Statement 2 N- bank is very active in the 30- day reverse repurchase agreement market during times when the bank experiences significant increases in retail deposits.

Based on Statement 1, the net interest margin for the three banks’ most likely will:

选项:

A.

decrease.

B.

remain unchanged.

C.

increase.

解释:

A is correct.

A bank’s net interest margin represents the difference between interest earned on loans and other interest- bearing assets and the level of interest paid on deposits and other interest- bearing liabilities. Banks typically borrow money for shorter terms (retail deposits) and lend to customers for longer periods (mortgages and car loans). If the yield curve unexpectedly inverts, the short- term funding costs will increase and the net interest margin will most likely decrease (not remain unchanged or increase).

不太理解这道题在问什么以及答案的意思。

1 个答案
已采纳答案

王园圆_品职助教 · 2024年04月04日

同学你好,题目statment 1说收益率曲线即将反转——也就是短期利率会上升,长期利率会下降

银行的收入来源就是吸收短期存款,给客户一个较低的利率的利息费用支出;同时放出长期贷款,跟企业或个人收取一个较高的长期利率的利息收入,银行最后的收入=净利息收入=利息收入-利息支出

现在短期利息上升,长期利率下降,那银行支出的利息费用就更高,收到的利息收入就更小,获得的净利息收入就会下降

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