商业银行

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商业银行 经营管理学

• 第一章 Introduction of Environment that Commercial Bank Faces
  • 1.1Introduction of the changing financial institutions
    • 1.1.1Overview of the course（课程概述）
    • 1.1.2What is a bank?（什么是银行）
      • business of banking
      • accepting deposits that can be withdrawn on demand commercial loans
      • accepting deposits and making loans
      • has insured FDIC deposits
  • 1.2Bank Regulation
    • 1.2.1Bank Regulation in U.S.A(银行监管)
      • OFR
      • FRB
      • FDIC
      • OCC
      • NCUA
      • OTS
    • 1.2.2Purpose and Ways of Banking Regulations and Major Banking Laws in U.S.A(银行监管的目标、措施及美国的主要银行法)
      • Goals
        • Maintaining depository institution liquidity
        • Assuring bank solvency by limiting failures
        • Promoting an efficient financial system
        • Protecting consumers
      • CAMELS ratings
      • Laws
        • Glass-Steagall Act 1933
        • Depository Institution Deregulation and Monetary Control Act(DIDMCA)1980
        • Gramm-Leach-Bliley Act 1999
        • 多的弗兰克华尔街改革和消费者保护法案
  • 1.3The Organization and Structure of the Banking and Financial-Service Industry
    • 1.3.1The Major Organization and Struture of the Banking and Financial-Services Industry
      • 内部组织结构
      • 外部组织结构
  • 1.4Estabishing New Banks, Branches, ATMs, Telephone Service, and Web Sites
    • 1.4.1Bank Access Channel Analysis(银行金融服务方式)
      • Unit Banks
      • Branch Banks
      • Bank Holding Companies(BHC)
• 第二章 Funds Collection Management of Babks and its competitors
  • 2.1Managing and Pricing Deposit Services
    • 2.1.1Type of Deposits(存款类型)
      • Transaction Deposit
      • Thrift or Savings Deposit
      • Core deposits
    • 2.1.2Pricing Deposit-related Services(存款及相关服务定价)
      • cost plus profit deposit pricing
      • Market Penetration Deposit Pricing
      • Condition Pricing
      • Upscale Target Pricing
      • Relationship pricing
    • 2.1.3Example: how to calculate funds cost of bank's liabilities(商业银行负债资金成本计算举例)
    • 2.1.4Money Creation Fuction(货币创造)
      • 派生倍数k的修正
      • 货币乘数=货币供给量/基础货币
  • 2.2Managing Nondeposit Liabilities and other Sources of Borrowed Funds
    • 2.2.1Managing Nondeposit Liabilities and other Sources of Borrowed Funds(非存款负债及其他借入资金来源管理)
      • Federal Funds Market
      • Repurchase Agreements
      • Federal Reserve Bank
      • Advances from the Federal Home loan Bank
      • Negotiable CDs
      • Eurocurrency Deposit Market
      • Commercial Paper
      • Long Term Sources
    • 2.2.2Nondeposit Funding Sources: Factors to Consider(非存款资金来源：考虑的因素)
      • The Relative Costs of Raising Funds From Each Source
      • The Risk of Each Funding Source
      • The Length of Time for Which Funds are Needed
      • The Size of the Institution
      • Regulation Limiting the Use of various Funding Sources
  • 2.3Capital Management
    • 2.3.1Capital and Risk(资本与风险)
      • Credit Risk
      • Liquidity Risk
      • Interest Rate Risk
      • Operating Risk
      • Exchange Risk
      • Crime Risk
    • 2.3.2Types of Bank Capital(银行资本的类型)
      • Common stock
      • Preferred stock
      • Surplus
      • Undivided Profits
      • Equity Reserves
      • Subordinated
      • Debentures
      • Minority Interest in
      • Consolidated
      • Subsidiaries
      • Equity Commitment
      • Notes
    • 2.3.3How to Calculate Capital Adequacy Ration (资本充足率的计算)
    • 2.3.4The Basel Agreement on International Capital Standerds---Basel | (巴塞尔国际资本标准协议-巴塞尔协议 |)
    • 2.3.5The Basel Agreement on International Capital Standards---Basel || &Basel |||(巴塞尔国际资本标准协议-巴塞尔协议 ||和巴塞尔协议|||)
• 第三章 Loan Policy and Process
  • 3.1Types of Loans and Lending Process
    • 3.1.1Type of Loans(贷款类型)
      • Real Estate Loans
      • Financial Institution Loans
      • Agriculture Loans
      • Commercial and Industrial Loans
      • Loans to Individuals
      • Miscellaneous Loans
      • Lease Financing Receivables
    • 3.1.2Steps in the Lending Process(贷款程序)
      • Character
      • Capacity
      • Cash
      • Collateral
      • Control
  • 3.2Credit Analysis
    • 3.2.1Credit Analysis:What makes a good loan? (信用分析：优良贷款的决定条件)
  • 3.3Loan Review
    • 3.3.1Loan Review Procedures and Loan Workouts (贷款检查程序及问题贷款处理)
  • 3.4Loan Pricing
    • 3.4.1Loan Pricing Methods(贷款定价办法)
      • 基础利率定价法
      • 成本加成定价法
      • 优惠加数定价法
      • 优惠乘数定价法
• 第四章 Investment Function of Bank and Financial Service Management
  • 4.1Available Investment Tools for Financial Institutions
    • 4.1.1Functions and types of security investments of commercial banks(商业银行证券投资的功能及主要类别)
      • 功能
        • 分散风险
        • 保持流动性
        • 合理避税
      • 主要类别
        • 国库券
        • 中长期国债
        • 政府机构证券
        • 市政债权或地方政府债权
        • 公司债券
        • 各种资产抵押类证券
  • 4.2Securities Investment Owning by Banks
    • 4.2.1Benefits and risks of security investments of comercial banks(商业银行证券投资的收益和风险)
      • 风险
        • 信用风险
        • 通货膨胀风险
        • 利率风险
        • 流动性风险
  • 4.3Securities Investment Steategies
    • 4.3.1Security investment Strategies(商业 银行证券投资策略)
      • 流动性准备策略
      • 梯形期限策略
      • 杠铃结构策略
      • 利率周期期限策略
• 第五章Cash Assets of Commercial Banks
  • 5.1Composition Cash Assets
    • 5.1.1Composition of caah assets and fund position(商业银行现金资产的构成与资金头寸)
  • 5.2Cash assets management
    • 5.2.1Cash assets management strategies (商业银行现金资产的管理)
• 第六章Out-Balance-Sheet Business
  • 6.1Introduction and Risky Out-Balance-Sheet Business
    • 6.1.1Overview of out-balance-sheet businesses of commercial bank(商业银行表外业务概述)
      • 特点
        • 灵活性大
        • 以小博大，盈亏数额巨大
        • 交易高度集中
        • 透明度低
      • 发展动因
        • 规避资本管制，增加利润
        • 适应金融环境的变化
        • 适应客户多样化服务的需要
        • 转移和分散风险
        • 银行自身拥有的有利条件
        • 科技进步
      • 种类
        • 担保类
          • 银行承兑汇票
          • 备用信用证
          • 商业信用证
          • 银行保函
        • 承诺类
          • 贷款承诺
          • 票据发行便利
        • 交易类
          • 远期利率协议
          • 远期外汇买卖
          • 互换
          • 金融期货和期权
• 第七章International Business
  • 7.1Types of International Businesses
    • 7.1.1Major International Businesses (商业银行开展的主要国际业务)
      • 进出口押汇
      • 短期贸易贷款
      • 出口信贷
      • 福费廷
• 第八章Asset-Liabilities Management and Risk Aversion
  • 8.1Evolution of Asset-Liabilities Management
    • 8.1.1Asset-Liabilities Management Theory (商业银行资产负债管理理论的演变)
      • Asset Management Theory
        • Commercial-Loanb Theory
        • Shift-Ability Theory
        • Anticipated-income Theory
      • Liability Management Theory
        • capital management
        • deposit management
        • borrowing funds management
  • 8.2Asset-Liabilities Management Strategies
    • 8.2.1Measuring Interest Rate Risk (利率风险的衡量)
    • 8.2.2Interest-sensitive gap& Duration Gap Analysis(利率缺口分析与持续缺口分析)
• 浮动主题