Debt
Equipment Capital
- 기업이 자산을 소유한다는 점에서 Venture Leasing 과 다름
- 담보대상 : 유형자산
- 기업의 장비 대여료 지급과 장비구입에 대해서만 사용 가능
- 장비에 대한 유치권을 보유
- 일반적인 계약기간은 3년 가량
- 기업공개나 매각 시 warrants 를 행사 가능
- 이자율은 7~9%
Banking Services, Co., Ltd.
항목
2007년
12월 31일
2008년
12월 31일
2009년
12월 31일
2010
6월 30일
유동비율
current ratio
246.00
143.10
163.10
161.50
자기자본비율
debt/equity ratio
78.47
61.83
69.94
65.70
부채비율
debt ratio
27.40
61.70
43.00
52.20
매출액순이익률
profit margin
10.01
8.05
10.50
10.31
자기자본순이익
the part of the total debt in a country that is owed to creditors outside the country
money owed to private commercial banks, other governments, or international financial institutions such as the IMF and World Bank
Foreign debt management
1) Risk management
currency and interest rate movements
frequent commodity price fluctuations
The debt crises of the early 1980’s
oil price hikes
Banks need stable ROE - Excessive issue of subordinated bonds
Especially, FRNIB granted a credit and borrowed money from central BS savings bank and took over subordinated bonds to increase ROE
→The Financial Supervisory Service don’t reveal the list of first people who acquire subordinated debt
It doesn’t oversee properly although it knows BS Savings Bank issues subordinated debt th
banking system in order to stimulate the economic situation.
Balance sheet of HSBC
The second part of this section is the analysis of the assets and liabilities of HSBC. In 2006, before the crisis two thirds of the increases in the balance sheet were due to the trading assets. This was primarily driven by an increase in holdings of debt securities. HSBC’s operations in Europe, reported a