在最近几十年中，商业银行的经营环境、组织制度、业务范围、经营方式、管理技术、监管规则等各个方面都发生了极其巨大的变化。本书详细分析了在这种背景下现代商业银行的最新经营管理理念和实践，概括了国际银行业的现状和发展趋势，具体內容包括经营环境分析、银行绩效评价、利率风险管理、负债管理、资本管理、现金资产管理、贷款管理和投资管理等內容。
本书除可作为本科高年级、研究生低年级银行管理课程教材使用外，还可供银行培训教材使用，并可供经济、金融理论工作者和实际工作者阅读参考。
银行管理学/高等学校金融学类英文版教材
内容提要 ：
作者简介 ：
迪莫斯·柯奇(了imothy w Koch)，南卡罗莱纳大学金融学教授、卡罗莱纳银行家协会银行系主任，曾执教于贝罗大学和德克萨斯技术大学，并曾担任德克萨斯技术大学银行系主任。
目录 ：
1 FUNDAMENTAL FORCES OF CHANGE IN BANKING
The Fundamental Forces of Change Increased Competition Competition for Deposits Competition for Loans Competition for Payment Services Competition for Other Bank Services Deregulation and Reregulation Financial Innovation Globalization Capital Requirements Increased Consolidation Summary 2 ANALYZING BANK PERFORMANCE Commercial Bank Financial Statements The Balance Sheet The Income Statement The Relationship between the Balance Sheet and Lncome Statement The Return on Equity Model The Uniform Bank Performance Report Profitability Analysis Expense Ratio and Asset Utilization Banking Risks and Returns: The Profitabiiify, Liquidity, and Solvency Trade-Off Credit Risk Liquidity Risk Market Risk Operating Risk Legal Reputation Risk Capital or Solvency Risk Maximizing the Market Value of Bank Equity Evaluating Bank Performance: An Application PNC's Profitability and Risk versus Peers in 2001 PNC's Profitability versus Risk: 1993-2001 CAMELS Ratings Performance Characteristics of Different-sized Banks Financial Statement Manipulation Preferred Stock Nonperforming Loans Securities Gains and Losses Nonrecurring Sales of Assets Summary 3 MANAGING NONINTEREST INCOME AND NONINTEREST EXPENSE Common Financial Ratios of Expense Control and Noninterest Income Growth Noninterest Income Noninterest Expense Key Ratios Operating Risk Ratio Customer Profitability and Business Mix Which Customers Are Profitable? What Is the Appropriate Business Mix? Strategies to Manage Noninterest Expense Cost Management Strategies Summary 4 MANAGING INTEREST RATE RISK: GAP AND EARNINGS SENSITIVITY Measuring Interest Rate Risk with GAP Traditional Static GAP Analysis What Determines Rate Sensitivity? Factors Affecting Net Interest Income Changes in the Level of Interest Rates Changes in the Relationship between Sh0rt-Term Asset Yields and Liability Costs Changes in Volume Changes in Portfolio Composition Rate, Volume, and Mix Analysis Rate-Sensitivity Reports Strengths and Weaknesses: Static GAP Analysis Link between GAP and Net Interest Margin Earnings Sensitivity Analysis Exercise of Embedded Options in Assets and Liabilities Different Interest Rates Change by Different Amounts at …… |
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