loveshihongyu2021-11-02 13:13:22
loveshihongyu老师您好，我想问一下commercial bank和retail bank的区别，为什么commercial banks have higher cost of funds and low liquidity, 而retail banks have a lower cost of funds and better liquidity呢？谢谢
回答（2）
Vincent2021-11-03 13:49:24
Vincent你好
一个是公司业务（commerical banking), 一个是个人业务（retail banking), 个人业务的存款利息更低，因此银行吸纳资金的成本低，比如很多人账户上长期趴者大量的活期，活期的资金成本极低。且个人业务交易量大。而银行的公司业务的资金成本更高，交易量更低。
- 评论（0）
- 追问（2）
- 追问
-
retail bank的liquidity needs更高吗？谢谢
- 追问
-
老师好，commercial banks have higher cost of funds and retail banks have a lower cost of funds, 我觉得这里是借贷的意思， 如果retail bank 给个人贷款的利率是更好还是更低呢？谢谢
Chris Lan2021-11-09 15:39:33
Chris Lan同学你好
原版书上的解释如下：
In general, contrasting commercial banks and retail-oriented banks, commercial banks have a higher cost of funds and lower liquidity because of wholesale funding of loan commitments and other contingent commitments. Conversely, retail banks have a lower cost of funds and better liquidity because their retail deposits are relatively low cost and tend to be more stable.
- 评论（0）
- 追问（0）
评论
0/1000
追答
0/1000
+上传图片