Chapter 1 An Overview of Commercial Banks …………… 1

Section 1 Introduction to Commercial Banks………………………… 2

Section 2 Organizational Structure of Banks… …………………… 11

Section 3 Functions of Commercial Banks… ……………………… 22

Section 4 Bank Supervision………………………………………… 25

Chapter 2 Management of Capital…………………………41

Section 1 Introduction ……………………………………………… 42

Section 2 Basel Accords… ………………………………………… 46

Section 3 Planning to Meet Capital Needs… ……………………… 58

Chapter 3 Management of Liquidity and Reserve … ……77

Section 1 Introduction……………………………………………… 78

Section 2 The Demand for and Supply of Liquidity………………… 79

Section 3 Strategies for Liquidity Management…………………… 81

Section 4 Estimating Liquidity Needs……………………………… 85

Section 5 Legal Reserve and Management of Money Position… … 90

Chapter 4 Management of Liabilities…………………… 105

Section 1 Overview of Liabilities…………………………………… 106

Section 2 Bank Deposits… ………………………………………… 108

Section 3 Bank Borrowings… ……………………………………… 121

Chapter 5 Management of Loans … …………………… 143

Section 1 Loans and Loan Policies… ……………………………… 144

Section 2 Loan Procedures… ……………………………………… 148

Section 3 Loan Types… …………………………………………… 151

Section 4 Loan Evaluation… ……………………………………… 156

Section 5 Loan Pricing… …………………………………………… 163

Section 6 Loan Risk Management… ……………………………… 166

Section 7 An Overview of Securitization of Loans… ……………… 171

Chapter 6 Off-balance Sheet Business … ……………… 189

Section 1 Risk-free Off-balance Sheet Business… ………………… 190

Section 2 Risky Off-balance Sheet Business………………………… 203

Chapter 7 Risk Management and Internal Control …… 227

Section 1 Introduction……………………………………………… 228

Section 2 Risk Types………………………………………………… 230

Section 3 Risk Management … …………………………………… 237

Section 4 Internal Control … ……………………………………… 246

练习题答案………………………………………………… 265

参考文献…………………………………………………… 269