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2013 | OriginalPaper | Buchkapitel

4. How Do Banks Use Their Funds? The Asset Side of the Balance Sheet

verfasst von : William H. Wallace

Erschienen in: The American Monetary System

Verlag: Springer International Publishing

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Abstract

We have discussed virtually all funding sources for banks and bank holding companies – except the capital accounts, to which we shall return in Chap. 5. But first, we are interested in examining the kinds of assets which banks would typically hold, focusing on the earning assets – investments and loans.

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Vorheriges Kapitel How Are Banks Funded?

Nächstes Kapitel Who Owns the Banks? Bank Capital and the Basel Accord

Of the roughly $16.8 trillion of Treasury securities outstanding at March 31, 2013, $5.6 trillion is owned by foreign investors – governments, central banks, businesses, and individuals. The largest holder at this time is China, with $1.3 trillion, and the rest is spread over virtually every other country in the world.

Treasury Decides to Offer Floating-Rate Notes,” The Wall Street Journal, 2 Aug. 2012, p. C-3. Also, “Treasury is Readying Floating-Rate Debt,” The Wall Street Journal, 2 May, 2013, p. C-3.

See “Risk Builds as Junk Bonds Boom,” The New York Times, August 16, 2012, page B-1.

The Gini Coefficient measures income equality on a scale of 0 to 1, in which 0 represents perfect equality, and 1 is perfect inequality. Most industrial countries were in the range of 0.2 to 0.3 in 2010. The United States stood at 0.47, the highest level of inequality among all industrialized nations. Source: The U.S. Central Intelligence Agency, World Factbook, 2010, ibid. (www.cia.gov/library/publications/the-world-factbook/fields/2172/html).

Keynes JM (1936) The general theory of employment, interest and money. Harcourt, Brace, New York

Burrough B, Helyar J (1990) Barbarians at the gate. Harper Perennial, New York

Stewart JB (1991) Den of thieves. Simon and Schuster, New York

Stiglitz JE (2012) The price of inequality: how today’s divided society endangers our future. W.W. Norton, New York, p 22

Wolff EN (2004) Recent trends in living standards in the United States. Edward Elgar Publishing, London, pp 3–26

Smith RC, Walter I (2003) Global banking, 2nd edn. Oxford University Press, New York, pp 194–203

Titel: How Do Banks Use Their Funds? The Asset Side of the Balance Sheet
verfasst von: William H. Wallace
Verlag: Springer International Publishing
Buch: The American Monetary System
Print ISBN: 978-3-319-02906-1

Electronic ISBN: 978-3-319-02907-8

Copyright-Jahr: 2013
DOI: https://doi.org/10.1007/978-3-319-02907-8_4