How banks make their money Exam que

How banks make their money Exam question 1 It's easy to think of banks as imposing granite fortresses buttressed by and adorneс columns with marble, places whose very structure exudes strength and safety. But they're really networks of electronic rivers of flowing in in a torrent money and out oi transactions. And lately, a new tributary has been added: an unprecedented government bailout that's directed hundreds of billions ofdollars to the banks How do the ever-shifting financial currents translate into bank making money-or losing a Its all about the spread. That's the difference between the interest bank pays on money rate a it borrows, from the government or other example, and the (higher) rate it charges the people and companies that borrow money from the bank. Your bank charging may be you, say, an annual rate of 7 percent on a car loan while it borrows at the fed funds rate what banks charge each other for overnight loans-of 0.25 That's down from 2.25 percent. percent a year ago.) "They make it on the spread," says Galbraith, an economist at the University of Texas at Austin. "Banks have spent lots of time and effort to figure out ways other than that to make money, and that's what got them into trouble." (More on that later.) In setting the rates they charge on loans, banks take into account the potential risk of default, so they charge higher rates for customers they deem to be riskier. Banks also can get emergency loans through the Federal Reserve's so-called discount win- dow, where the current rate is 0.5 percent, down from 2.5 percent a year ago. Those loans have soared by billions during the financial crisis that struck with force September. Banks also make money from the fees they charge on accounts and transactions. For many major banks, a big chunk of their revenue comes from interest and fees charged on credit cards. The investment brokerage business that took hold at "supermarket" banks has genera- ed profits because of the fees involved. And banks make money from their own investments that's where the trouble came in for many of them in the ongoing crisis.

Результаты (русский) 1:

Как банки делают свои деньги экзамен вопрос 1, это легко думать о банков как налагающие гранита крепости, подкрепляемое и adorneс колонны с мрамором, места, структура которых сама излучает прочность и безопасность. Но они действительно сети электронных рек, протекающей в торрент деньги и oi сделок. И в последнее время, был добавлен новый приток: беспрецедентное правительство кризиса, которое направило сотни миллиардов ОР к банкам, как все изменения финансовых токов перевести в банк, зарабатывать деньги- или потерять все о распространении. Это разница между Банк платит проценты по ставке деньги, которые она заимствует от правительства или другой пример и (выше), ставка сборов людей и компаний, которые занимают деньги из банка. Ваш банк зарядки может быть, вы, скажем, годовая ставка 7 процентов на заем на покупку автомобиля в то время как он занимает в ФРС фонды оценить, какие банки взимают друг друга за ночь кредиты-от 0,25, что вниз от 2,25 процента. % год назад.) «Они делают его на распространение,» говорит Гэлбрейт, экономист в Университете Техаса в Остине. «Банки потратили много времени и усилий, чтобы выяснить пути, за исключением того, чтобы заработать деньги, и вот что получил их в беду». (Подробнее об этом позже.) При установлении ставок, которые они берут по кредитам, банки принимают во внимание потенциальный риск дефолта, так что они взимать более высокие ставки для клиентов, они считают рискованными. Банки также могут получить чрезвычайные кредиты Федеральной резервной системы так называемой скидка win Доу, где Текущая ставка составляет 0,5%, вниз от 2,5% год назад. Эти кредиты резко возросли на миллиарды во время финансового кризиса, который ударил с силой сентября. Банки делают деньги от сборов, которые они берут на счетах и сделках. Для многих крупных банков большая часть их доходов поступает от процентов и сборов, взимаемых по кредитным картам. Инвестиционный брокерский бизнес, который взял в банках «супермаркет» имеет роды ed прибыли из-за сборов участие. И банки делают деньги из их собственных инвестиций, где беда пришла для многих из них в условиях продолжающегося кризиса.

Результаты (русский) 2:

Как банки делают деньги экзамен вопрос How banks make their money Exam question 1 It's easy to think of banks as imposing granite fortresses buttressed by and adorneс с колонн мрамором Но они на самом деле сети электронных рек течет в потоке денег и из О columns with marble, places whose very structure exudes strength and safety. But they're really networks of electronic rivers of flowing in in a torrent money and out oi transactions. And lately, a new tributary has been added: an unprecedented government bailout that's directed hundreds of billions ofdollars to the banks How do the ever-shifting financial currents translate into bank making money-or losing a Its all about the spread. That's the difference between the interest bank pays on money rate a it borrows, from the government or other example, and the (higher) rate it charges the people and companies that borrow money from the bank. Your bank charging may be you, say, an annual rate of 7 percent on a car loan while it borrows at the fed funds rate what banks charge each other for overnight loans-of 0.25 That's down from 2.25 percent. percent a year ago.) "They make it on the spread," says Galbraith, an economist at the University of Texas at Austin. "Banks have spent lots of time and effort to figure out ways other than that to make money, and that's what got them into trouble." (More on that later.) In setting the rates they charge on loans, banks take into account the potential risk of default, so they charge higher rates for customers they deem to be riskier. Banks also can get emergency loans through the Federal Reserve's so-called discount win- dow, where the current rate is 0.5 percent, down from 2.5 percent a year ago. Those loans have soared by billions during the financial crisis that struck with force September. Banks also make money from the fees they charge on accounts and transactions. For many major banks, a big chunk of their revenue comes from interest and fees charged on credit cards. The investment brokerage business that took hold at "supermarket" banks has genera- ed profits because of the fees involved. And banks make money from their own investments that's where the trouble came in for many of them in the ongoing crisis.