隨著國際交往的日益密切和涉外金融業(yè)務的拓展，金融界對熟悉英語和業(yè)務技能的工作人員的需求大量增加。本書的出版將有助于普及金融英語知識，提高銀行業(yè)從業(yè)人員的綜合素質(zhì)。本書內(nèi)容涵蓋商業(yè)銀行導論、銀行資本金、流動性管理、資產(chǎn)負債業(yè)務、表外業(yè)務及風險管理等。內(nèi)容緊跟銀行業(yè)務發(fā)展實際，既注重價值引領，又體現(xiàn)前沿性和時代性。各章配有章節(jié)內(nèi)容思維導圖、多樣化圖表、術語表、注釋、練習題及參考答案，有利于幫助學生鞏固銀行業(yè)務知識和語言點，引導學生通過閱讀開拓視野。本書適合作為高校金融學、商務英語等相關專業(yè)本科課程教材使用，也適合金融機構工作者閱讀和使用。
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
練習題答案………………………………………………… 265
參考文獻…………………………………………………… 269
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