新西兰essay代写:澳大利亚的非银行机构

新西兰essay代写:澳大利亚的非银行机构

然而,非银行机构不仅越来越多地进入澳大利亚地区的零售支付市场;它们还进入了贷款业务。多年来,在银行去杠杆化和市场融资成本极低的双重推动下,欧元区出现了更多以资本为基础的融资趋势。自危机爆发以来,监管议程无疑至关重要。银行的资本太少,短期资金太多,杠杆过高,当它们倒闭时,给社会造成了太大的成本。迄今为止推行的改革提高了银行的弹性,并在极端情况下降低了解决银行问题的成本。原则上,这没有理由削弱银行为实体经济服务的能力——例如,研究表明,银行资本金增加对放贷没有负面影响。

新西兰essay代写:澳大利亚的非银行机构
Bendigo和Adelaide Bank Limited更专注于零售和业务,而BOQ (Bank of Queensland)更专注于消费者存款。在这种情况下,上述挑战对两家银行都有影响。受影响最大的是本迪戈银行和阿德莱德银行有限公司,因为它们专注于零售银行业务。大部分的支付、监管和营销问题都随之而来。与消费部门相比,零售部门有严格的金融监管。零售银行业务直接影响经济,因此有更多的规章制度来控制金融流动。监管状况将影响零售银行的回报率,而不是消费者面临的烘焙行业。

新西兰essay代写:澳大利亚的非银行机构

Non-banks are not only increasingly entering the retail payments market in the Australian area in general, however; they are also entering the lending business. For some years now, we have been witnessing a trend towards more capital market-based financing in the euro area, driven by both deleveraging among banks and the very low cost of market finance. The regulatory agenda since the crisis has no doubt been essential. Banks had too little capital, too much short-term funding, too high leverage, and created too great a cost for society when they failed. The reforms that have been introduced so far have increased resilience and, in extremis, made banks less costly to resolve. And there is no reason why this should, in principle, diminish the ability of banks to serve the real economy – research suggests, for example, that higher bank capital has no negative impact on lending.

新西兰essay代写:澳大利亚的非银行机构
Bendigo and Adelaide Bank Limited is more focused on retail and businesses though BOQ (Bank of Queensland) is more focused on consumer deposits. In this scenario the challenges mentioned above impact both the banks. The most impact is on Bendigo and Adelaide Bank Limited because of retail banking focus. Most of the payment, regulation and marketing issues comes on the way. There are strict financial regulations in the retail sector in comparison to the consumer sector. The retail banking impacts directly the economy and hence more regulations are there to control the financial flow. The regulatory situations will impact the return on retail banking than consumer facing baking sector.