硕士论文代写

英国assignment代写:不同国家的银行数据研究

英国assignment代写:不同国家的银行数据研究

该研究使用了4个不同国家的3家最大银行过去5年的数据。因此,本研究的观察总数为60。银行总资产163959719.77美元至2799978111.05美元,均值1189128262.37,标准差768695355.08。总资产数据正偏态,偏态系数为0.442。这意味着均值是衡量中心趋势的三个指标中最高的。数据的峰度为3.0520。银行的净收入从-18732864.29到9655627.07不等。净收入包括了银行的成本和收益。因此,负净收入意味着某一家银行的成本高于其收入,因此该银行的净收入为负。同样,净收益为正意味着有关银行的收入大于利润。此外,数据的平均值为1101303.81,这是一个正数。该变量的正均值意味着,平均而言,银行的净利润为正,或其收入高于平均成本。数据的标准差为5210279.44。偏度是-1.354,这意味着数据是负偏的。
这意味着数据的中位数将大于平均值。因为数据的均值是正数,所以数据的中位数也是正数。数据的峰度为3.0520。权益是指银行持有的资产与这些资产上的负债之间的差额。因此,负资产意味着银行的负债大于资产,正资产意味着银行的资产大于负债。无论如何,在资产和负债之间取得平衡是很重要的。如果银行拥有太多资产,那么它所承担的金融风险也可能很高,这从本质上就意味着更高的破产风险。另一方面,如果负债过高,银行就过于保守,放贷速度不够快,无法产生足够的利润。在手头的案例中,权益的最小值为7270486.61,而最大值为125437869.73。数据的均值和标准差分别为58746992.54和33327078.06。数据偏度为0.109,即数据正偏;中位数将小于平均值。数据的峰度为-0.7070。

英国assignment代写:不同国家的银行数据研究

The study uses the data of three largest banks in four different countries for the past five years. Thus the total number of observations in the study is 60.The total asset of the banks ranges from USD163959719.77 to USD2799978111.05 with a mean of 1189128262.37 and standard deviation being 768695355.08. The data of total assets is positively skewed with the coefficient of skewness being 0.442. This implies that mean is the highest of the three measures of central tendencies. The kurtosis of the data is at 3.0520.The net income of the banks ranges from -18732864.29 to 9655627.07. Net income incorporates the costs of the banks and their earnings as well. Consequentially, the negative net income implies that the particular bank incurred more costs than it earned revenues due to which the net income of the bank is negative. Similarly, a positive net income implies that the concerned bank had greater revenue than the profits. Furthermore, the mean of the data is 1101303.81 which is a positive number. A positive mean for the variable implies that on an average the banks have had a positive net income or their revenue have been greater than the costs on an average. The standard deviation of the data is 5210279.44. The skewness is -1.354 which means that the data is negatively skewed.
This implies that the median of the data will be greater than the mean. Since the mean of the data is a positive number, the median of the data will also be a positive number. The kurtosis of the data is 3.0520.Equity is the difference between the assets held by the bank and the liabilities they have on those assets. Thus a negative equity would imply that the bank has more liabilities than assets and a positive value would indicate that it has more assets than the liabilities. In any case, it is important to strike a balance between assets and liabilities. If the bank has too many assets, it is possible that the financial risk the bank is taking is also high which inherently points to higher changes of failure. On the other hand if there is high liability, the bank is being too conservative and not lending fast enough to generate enough profit. In the case at hand, the minimum value of the equity is 7270486.61 while the maximum is 125437869.73. The mean and the standard deviation of the data are 58746992.54 and 33327078.06 respectively. The skewness of the data is 0.109 i.e. the data is positively skewed; the median will be lesser than the mean. The kurtosis of the data is -0.7070.