1.2 Assets-Cash Items in Process of co| ection应收现金项目 A check written on an accointat another bank is deposited in your bank and the funds for this check have not yet been received(collected) from the other bank The check is classified as a cash item in process of collection 对另一家银行账户开出的支票存在你的银行里, 而该支票的资金尚未从其他银行收到(收账)。 该支票就被归为应收现金项目
1.2 Assets－Cash Items in Process of Collection 应收现金项目 • A check written on an account at another bank is deposited in your bank and the funds for this check have not yet been received (collected) from the other bank. The check is classified as a cash item in process of collection. • 对另一家银行账户开出的支票存在你的银行里， 而该支票的资金尚未从其他银行收到（收账）。 该支票就被归为应收现金项目
1.2 Assets-Deposits at Other Banks Many small banks hold deposits arger banks in exchange交换fora variety of services各种服务, including check collection支票托收, foreign exchange transactions外汇交易,and help with securities purchases购买证券。 Reserves, cash items in process of collection, and deposits at other banks are often referred to as cash items,准备金、应收现金项目、银行同业存款 通常被称为“现金项目
1.2 Assets－Deposits at Other Banks • Many small banks hold deposits in larger banks in exchange交换 for a variety of services各种服务, including check collection支票托收, foreign exchange transactions外汇交易, and help with securities purchases购买证券. • Reserves, cash items in process of collection, and deposits at other banks are often referred to as cash items. 准备金、应收现金项目、银行同业存款 通常被称为“现金项目”
12Assets-securities Securities are an importantinde earning asset(收益性资产)for commercial banks 22% of bank assets and 15% of bank revenue(总收入) Securities can be classified into 3 categories: U.S. government and agency securities联邦政府和机构证券, 州和地方政府证券, and other securities u state and local government securitis 其中,短期联邦政府证券称为二级准备金 secondary reserves
1.2 Assets－securities • Securities are an important incomeearning asset（收益性资产） for commercial banks. • 22% of bank assets, and 15% of bank revenue(总收入). • Securities can be classified into 3 categories: U.S. government and agency securities联邦政府和机构证券, state and local government securities 州和地方政府证券, and other securities. 其中，短期联邦政府证券称为二级准备金 secondary reserves
12Assets-loans A loan is a liability for the inddakN 人 or corporation公司 receiving it,but an asset for a bank Banks make their profits primarily by issuing loans. Including commercial and industrial loans real estate loans consumer loans interbank loans and other loans. o 66% of bank assets and more than 50% of bank revenue BACK
1.2 Assets－loans • A loan is a liability for the individual个 人 or corporation公司 receiving it, but an asset for a bank. • Banks make their profits primarily by issuing loans. • Including commercial and industrial loans, real estate loans, consumer loans, interbank loans and other loans. • 66% of bank assets and more than 50% of bank revenue
12Assets-Other Assets Other Assets refer to the physical capita(实物资产) owned by the banks, say, bank buildings, computers, and other equipment
1.2 Assets－Other Assets • Other Assets refer to the physical capital(实物资产)owned by the banks， say， bank buildings, computers, and other equipment