Correlation between capital sources and uses of capitalThe relationship between capital sources and uses of capital is an organic relationship, mutual interactions. Raising capital with abundant capital, reasonable cost and has high stability will help the Bank's business operations effectively and vice versa. However if the major financing banks which cannot find where effective investment will cause stagnant capital status, causes the waste of resources, costs charged high interest rates while not obtained from the investment loan interest rate source. Conversely, if the demand for capital increases, or when there are good investment opportunities but the Bank could not mobilize capital will lose business opportunities, making the Bank's profit decline. Thus, a bank is financing high-quality to achieve the fit between the financing and the use of capital.The criteria to assess the fit between the financing and the use of capital:VHĐ source ratio on total outstanding = (total VHĐ)/(total outstanding)Short-term funds rate short term loans = (VHĐ short)/(Residual liabilities)The rate of short-term capital, long term = (VHĐ short)/(long term Balance)To ensure the liquidity of the Bank, to avoid the risks involved in the operation then mobilized a total must be greater than the loan amount. On the other hand, the capital short, medium and long term to ensure meet loan needs the same tenor. In Vietnam today, according to the regulations of the SBV, the URBAN COMMERCIAL be used short term capital to medium and long term loans under the maximum rate is 60%. This is a limitation ensures safety for operation of an URBAN COMMERCIAL.
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