Target Surplus

	Target Surplus Target surplus represents the amount of additional capital held by a financial institution beyond the regulatory requirements in order to ensure that the chances of breaching capital adequacy or solvency requirements are significantly reduced. Adelphi University Adelphi University is a private university in Garden City, New York. Adelphi also has centers in Manhattan, Hudson Valley, and Suffolk County. There is also a virtual, online campus for remote students. It is the oldest institution of higher edu ... graduate Chris Nocera is often credited with first implementing it into economic behavioral analytics. References Financial regulation {{economics-stub ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu]
	Bank Regulation Bank regulation is a form of government regulation which subjects banks to certain requirements, restrictions and guidelines, designed to create market transparency between banking institutions and the individuals and corporations with whom they conduct business, among other things. As regulation focusing on key factors in the financial markets, it forms one of the three components of financial law, the other two being case law and self-regulating market practices. Given the interconnectedness of the banking industry and the reliance that the national (and global) economy hold on banks, it is important for regulatory agencies to maintain control over the standardized practices of these institutions. Another relevant example for the interconnectedness is that the law of financial industries or financial law focuses on the financial (banking), capital, and insurance markets. Supporters of such regulation often base their arguments on the "too big to fail" notion. This holds that ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu]
	Capital Requirement A capital requirement (also known as regulatory capital, capital adequacy or capital base) is the amount of capital a bank or other financial institution has to have as required by its financial regulator. This is usually expressed as a capital adequacy ratio of equity as a percentage of risk-weighted assets. These requirements are put into place to ensure that these institutions do not take on excess leverage and risk becoming insolvent. Capital requirements govern the ratio of equity to debt, recorded on the liabilities and equity side of a firm's balance sheet. They should not be confused with reserve requirements, which govern the assets side of a bank's balance sheet—in particular, the proportion of its assets it must hold in cash or highly-liquid assets. Capital is a source of funds not a use of funds. Regulations A key part of bank regulation is to make sure that firms operating in the industry are prudently managed. The aim is to protect the firms themselves, their custo ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu]
picture info	Adelphi University Adelphi University is a private university in Garden City, New York. Adelphi also has centers in Manhattan, Hudson Valley, and Suffolk County. There is also a virtual, online campus for remote students. It is the oldest institution of higher education in suburban Long Island. It enrolls 7,520 undergraduate and graduate students. History Adelphi College Adelphi University began with the Adelphi Academy, founded in Brooklyn, New York, in 1863. The academy was a private preparatory school located at 412 Adelphi Street, in the Fort Greene neighborhood of Brooklyn, but later moved to Clinton Hill. It was formally chartered in 1869 by the board of trustees of the City of Brooklyn for establishing "a first class institution for the broadest and most thorough training, and to make its advantages as accessible as possible to the largest numbers of our population." One of the teachers at the Adelphi Academy was Harlan Fiske Stone, who later served as the Chief Justice of the United St ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu]