Dissertation > Excellent graduate degree dissertation topics show

Commercial bank deposit information disclosure behavior and institution building

Author: ZhongWeiGuang
Tutor: ZhangQiaoYun
School: Southwestern University of Finance and Economics
Course: Finance
Keywords: Deposit behavior Early withdrawal Commercial bank Information Disclosure
CLC: F832.2
Type: Master's thesis
Year: 2006
Downloads: 132
Quote: 3
Read: Download Dissertation

Abstract


First, the research background as banks continued to expand, so that the operation of banks and more complex, the risk also increases, an investment bank has every possibility of failure, so that people pay more attention to bank deposits prompted the operation. Commercial banks are highly leveraged companies, and most of the funds for loans from the depositor, when a crisis occurs, the banks have no right to require the borrower to return the borrowed funds before maturity, but there are rights of depositors at any time extraction deposits, so there can cause banks do not adequately prepared for the meet runs, leading commercial banks in the short term bankruptcy. In addition, commercial banks in a country's economy occupies a pivotal position, if you can not run commercial banks, can also cause the country's economic recession, it will have far reaching implications. Therefore, the bank's vulnerability makes loans commercial banks should pay attention not only security, but also requires a lot of energy and attention to the stability of deposits. Maintaining the stability of deposits depositors must first consider why \This article from the first aspect of the investigation, that is, what is the reason for depositors to withdraw their behavior produces the banks which aspects should be improved in order to reduce the depositors to withdraw their behavior. The reason why people want to advance deposit withdrawals, in addition to their desperate for money and had to take, there is one most important reason is that they can not learn the real banking operations, or to get some negative false information on banks that will money in the bank will have the potential risks. In order to enable depositors to timely and accurate information to get banks to enhance depositor confidence of commercial banks, commercial banks should take the initiative to disclose information. Establishment of commercial banks mandatory disclosure regime intention is to protect investors (depositors) of the legitimate interests of vulnerable groups, commercial banks did when operational problems arise when depositors receive timely messages, select the other bank investments or early withdrawal ; However, if due to other problems affecting commercial banks deposit their money where people lose confidence in banks, the perfect information disclosure system deposits can appease people's emotions, stable deposits, commercial banks can successfully through the crisis. But for now, commercial banks have not

Related Dissertations

  1. The Research on the Government Information Publicity in Chinese Public Crisis Management,D630
  2. The Legal Prevention of Gem Risk in China,F832.51
  3. Study on the Influence of Internal Marketing on the Satisfaction of Employee Job Satisfaction in Chinese Commercial Bank,F832.2
  4. The information content of the commercial banks accounting policy choices,F830.42
  5. The Research on Information Disclosure of Derivatives,F832.51
  6. Research on the Government Information Disclosure System in China,D630
  7. A Study of Performance Appraisal in State-owned Commercial Banks under Management Mode Transition,F832.2
  8. The Improving Research of Evaluation and Management in the Grassroots Organizations of Commercial Bank,F832.2
  9. Credit Strategy of Commercial Bank for Small and Medium-sized Enterprises,F832.4
  10. Domestic Commercial Bank Loan Pricing Model Research,F832.4
  11. The CD Commercial Bank IT Risk Management,F832.2
  12. Domestic Commercial Banks Couter-service Operational Risk Control and Process Reengineering,F832.2
  13. The Study on Supervision of Charity Organizations Within Legal System,D922.182
  14. Problems of Administrative Law college information publicly,D922.1
  15. Research on Legal Protection for Right to Know in Food Consumption,D923.8
  16. Reseaching on Using of Credit Derivatives of Our Country,F224
  17. Optimization of Online Banking System of Shanghai Rural Commercial Bank,F832.2
  18. Research on Impact of Foreign Strategic Shareholders to Operating Efficiency of Commercial Banks,F832.2
  19. Legal Research on Executive Compensation for Listed Corporations in China,D922.291.91
  20. Information Disclosure Quality Rating and the Value Relevance of Financial Statements Data,F832.51;F224
  21. Alleviate the Financial Dilemma of Small and Medium-sized Enterprises System Design,F276.3

CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business
© 2012 www.DissertationTopic.Net  Mobile