The Risks of Banking

John Cooper

Chapter 4 in The Management and Regulation of Banks, 1984, pp 165-244 from Palgrave Macmillan

Abstract: Abstract The principal function of banks, as we saw in Chapter 2, is the collection of deposits from those with cash resources surplus to their immediate requirements and the on-lending of these cash resources, in one form or another, to those with an immediate need for them. In fulfilling this function, banks inevitably undertake certain risks; it is the purpose of this chapter to describe and explain these risks. The identification of risks and their measurement are, of course, primarily the responsibility of the managers of banks. But, as we saw in Chapter 1, there have been increasing pressures throughout the 1970s, and early 1980s for national authorities to take a keen interest in the risks undertaken by banks and in their prudential supervision.

Keywords: Credit Risk; Cash Holding; Foreign Exchange Market; Lending Bank; Country Risk (search for similar items in EconPapers)
Date: 1984
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Persistent link: https://EconPapers.repec.org/RePEc:pal:palchp:978-1-349-06527-1_4

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DOI: 10.1007/978-1-349-06527-1_4

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