银行管理学（英文5版改编）（送教师教学资源） 下载 pdf 百度网盘 epub 免费 2025 电子书 mobi 在线

在近几十年中，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*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。

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

……

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。

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书籍介绍

银行管理学：英文版，ISBN：9787040161625，作者：（美）Timothy W.Koch，（美）Scott MacDonald著；何自云改编