SAT Essay Sample - How to Write SAT Essay Sample Questions

SAT Essay Sample - How to Write SAT Essay Sample QuestionsIf you are looking for a good way of answering SAT essay questions, a good method is to do research on this subject. You will find many different types of examples and guides that will help you answer the questions that you may have about the method of writing an essay. The following SAT essay examples will give you a good overview of the different types of essay styles that can be used for each type of question.There are several ways in which to answer this type of essay. The first way is to look at the question and work out what the answer is. This method is very popular because it is usually followed by students who would like to stick to this method.The other type of essay that you will find includes using Santa Claus and his reindeer as an example. You may use the different animals that Santa Claus uses for various reasons. You may consider putting in the sentence or paragraph that you are writing in which you talk about the different things that he brings to children on Christmas day.There are several SAT essay samples that you may use in order to help you answer the questions that you have. The type of essay that you are going to write is based on the questions that you have and also your motivation to answer them. The reason why you need to use the SAT essay examples will be covered in the discussion that follows.The first of the SAT essay examples that you need to look at is for how to write SAT essay sample questions. You need to know what you need to write when writing an essay. This will give you a good starting point for your essays.The second method of answering the question on how to write SAT essay sample questions is to use an example from your own life. You can choose to write about the time that you met a certain person. Then you can use the story to answer the question on how to write SAT essay sample questions.The third method that you can use is to use Santa Claus as an example. Thi s is the easiest method of writing a short essay and you should use this when you are trying to find inspiration for an essay topic. You can use your knowledge of Santa Claus to guide you as you are answering the questions on how to write SAT essay sample questions.The last method of answering the question on how to write SAT essay sample questions is to use the example of Santa Claus. Using the same example as the other three methods will help you start writing an essay. You can use the example and the writing guidelines that are available to help you come up with the perfect answer for how to write SAT essay sample questions.

Liquidity risk, conduit, and securitization issues Essay Example

Liquidity risk, conduit, and securitization issues Essay Underestimating the importance of liquidity risk is one of the important facts behind today financial crisis. In the past years liquidity risk has not been taken into account in stress testing, funding strategies, and portfolio management (Wehinger 2008). In large and complex institutions, benefits as well as challenges arises with a potential for internal liquidity provision to seem adequate but with harder to assess funding risks at the aggregate level. According to Wehinger (2008), while designing funding strategies, risks under stressed market conditions with sever liquidity shortages should be included for secured funding. Bank should also consider about securitization of assets and the use of conduits as those can be subject to reputation risks. Central Bank should provide clear specification on the conditions under which it would work as a lender of last resort and Central Bank should consistently communicate those rules with the commercial banks. And most importantly, risk management of bank should take into account the fact that, there is a chance of liquidity to turn into insolvency if liquidity problems weigh on investors confidence and weaken the companys equity base. In the quarterly bulletin of Bank of England (2009), it has been mentioned that overall liquidity conditions have yet to normalise to any significant degree. In order to meet banks longer terms liquidity demands, UK government already extended the term of Bank of Englands Permanent Discount Window Facility. According to the report on Enhancing Market and Institutional Resilience by Financial Stability Forum (FSF) 2008, International standard setters should enhance accounting, disclosure and audit guidance for valuations. Firms valuation processes and related supervisory guidance should be enhanced. We will write a custom essay sample on Liquidity risk, conduit, and securitization issues specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Liquidity risk, conduit, and securitization issues specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Liquidity risk, conduit, and securitization issues specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Apart from that, reasonableness and consistency tests should be applied for valuation and price verification. In June 2008, The Basel Committee on Banking Supervision published ten principles related to Supervisory guidance for assessing banks financial instrument fair value practices. Those principles are influenced by considering value measurement and modelling challenges faced by banks during the present financial crisis. The main objectives behind publishing those principles are to help banks supervisor while assessing banks valuation processes and to promote improvement in banks risk management and control processes. One of the main amplifiers of the crisis was the lack of transparency regarding the risk profile of institutions and structured products. Wellink, 2009. According to the Basel Committee on Banking Supervision (2009), economic capital model of a bank should be effectively documented and integrated in a transparent way and senior management should consider that model seriously while making business decision and for risk management of bank. For this purpose, bank should emphasize on achieving robust estimates of stand-alone risk on absolute basis and developing the flexible capacity for enterprise-wide stress testing. In order to have transparency in securitisation processes and markets, market participants and securities market regulator should work together to expand information on securitised products and their underlying assets (Financial Stability Forum, 2008). Reform of rating processes by Credit Rating Agencies can also enhance the transparency (US Presidents Working Group on Financial Markets, 2008). PWG (2008) suggests forming a private sector group to ensure the integrity and transparency of reports. Third Pillar of Basel II framework can help Bank to increase transparency (Wellink, 2009 PWG, 2008). Pillar three of Basel II mainly focused on disclosures related to securitisation, off-balance-sheet exposures and trading activities. This paper presents a review of the financial crisis on banking sector and implication of the bank management to cope with this crisis. Several reforms has been suggested in this paper following Institute of International Finance (IIF), Basel Committee on Banking Supervision, Financial Stability Forum (FSF), Bank for International Settlement (BIS), US Presidents Working Group on Financial Markets. Some of the recommendations are already being implemented. However, the recent initiatives at the G-20 level are being considered as a first step towards encompassing reforms to help cope with present financial crisis (Wehinger, 2008). Wellink (2009) also support the initiatives taken by Basel Committee and hope that those initiatives should limit the risk that weaknesses in banks amplify shocks between the financial and real sectors.