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Brief introduction of the author
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Teaching suggestion: introduction to banking and financial service management
Chapter 1 Overview of the Changing Financial Services Sector
1. 1 Introduction 1
1.2 What is a bank 2?
1.3 financial system and competitive financial institutions 5
1.4 Services provided by banks and their competitors to the public 8
1.5 major trends affecting all financial institutions 16
1.6 Management Catalogue of Commercial Banks (English Version, Eighth Edition) 18
Summary 20
Keywords 2 1
Exercise 2 1
Online exercise 22
Reference 25
Appendix 1a employment opportunities in banking and financial services 25
Chapter II Influence of Government Policies and Supervision on Banking and Financial Services 29
2. 1 Introduction 29
2.2 Banking Supervision 30
2.3 Major Banking Regulations 33
2.4 265438+New laws, regulations and regulatory strategies emerging in the 20th century 43
2.5 Supervision of non-bank financial institutions competing with banks
2.6 The influence of the central banking system on the decisions and policies of banks and other financial institutions 52
Summary 58
Key terms 59
Exercise 59
Online exercise 60
Reference 62
Chapter III Organization and Structure of Banking and Financial Services
3. 1 Introduction 65
3.2 Organization and structure of commercial banks
3.3 Organizational structure of banking companies
3.4 Overview of organizational structure and types of banks 7 1
3.5 Lager-Neil Cross-State Banks and Branches Efficiency Act of interstate banks and 1994+0.
3.6 Bank organization type adapted to the 2 1 century: financial holding company 83
3.7 mergers and acquisitions are reshaping the organizational structure of the financial services sector.
3.8 Changes in the organizational structure of major competitors of banks 85
3.9 Scale and Efficiency: Can large financial institutions operate at lower cost 87
3. 10 objectives of financial institutions and their impact on operating costs, efficiency and performance 89
Summary 92
Key terms 93
Exercise 93
Online exercise 94
Reference 96
Chapter IV Establishment of Banks, Branches, ATMs, Telephone Banking Services and Online Banking Services 99
4. 1 Introduction 99
4.2 Establishment of new chartered financial service institutions 100
4.3 Bank of America Franchise Program 10 1
4.4 Frequently Asked Questions of Regulators on Founders of Newly Established Banks 102
4.5 Main considerations in deciding to apply for a banking license 103
4.6 Number and Characteristics of Newly Registered Banks 104
4.7 Performance of newly established financial institutions 104
4.8 Establishment of Full-service Branches: Site Selection and Design 106
4.9 Establishment and supervision of automatic restriction service facilities 1 13
4. 10 home bank and office bank 1 17
4. 1 1 future financial service facilities 120
Summary 123
Key terms 123
Exercise 124
Online exercise 125
Reference 127 performance and financial statements of financial institutions
Chapter V Financial Statements of Banks and Their Major Competitors 129
5. 1 Introduction 129
5.2 Overview of Bank Balance Sheet and Income Statement 130
5.3 Balance Sheet (Operating Status Report) 13 1
5.4 Composition of Income Statement 145
5.5 Financial statements of major non-bank financial institutions 15 1
5.6 Main features of financial statements 153
Summary 154
Key terms 155
Exercise 155
Online practice 160
Reference 164
Appendix 5a Information Sources of Financial Services Industry 164
Chapter VI Performance Evaluation of Banks and Their Major Competitors 167
6. 1 Introduction 167
6.2 Bank Performance Appraisal 168
6.3 Performance indicators of major competitors of banks 189
6.4 Influence of scale on performance 19 1
Summary 192
Key terms 193
Exercise 193
Online exercise 197
Reference 200
Appendix 6a Tracking the performance of financial institutions with financial leverage and other analytical tools: unified performance report of banks and performance report of bank holding companies 20 1 Asset-liability management technology and risk avoidance.
Chapter VII Risk Management of Variable Interest Rate: Asset Liability Management and Duration Technology 209
7. 1 Introduction 209
7.2 Asset-liability management strategy 2 10
7.3 Interest rate risk: one of the most severe management challenges 2 1 1
7.4 One of the objectives of interest rate risk aversion 2 18
7.5 The concept of duration as a risk management tool 228
7.6 Use term to avoid interest rate risk +0
7.7 Limitation of Time Limit Gap Management 238
Summary 239
Key terms 240
Exercise 240
Online exercise 243
Reference 246
Chapter VIII Application of financial futures, options, swaps and other risk aversion tools in asset-liability management, 247 pages.
8. 1 Introduction 247
8.2 Use of derivative contracts 248
8.3 Financial futures contracts: securities transactions at predetermined prices in the future 250
8.4 Interest Rate Option 262
8.5 Rules and Accounting Standards for Banking Futures and Options Trading 268
8.6 Interest rate swap 269
8.7 interest rate ceiling, interest rate floor and interest rate ceiling and floor 275
Summary 277
Key terms 278
Exercise 278
Online exercise 28 1
Reference 283
Chapter IX Risk Management by Asset-backed Securities, Loan Sales, Standby Letters of Credit and Credit Derivatives 285
9. 1 Introduction 285
9.2 Securitization of loans and other assets 286
9.3 Selling loans to raise funds and reduce risks 295
9.4 Standby letter of credit can reduce the risk of non-payment or non-performance.
9.5 Credit derivatives: contracts to reduce the credit risk exposure of the balance sheet 30 1
Abstract 307
Key terms 307
Exercise 307
Online practice 309
Reference 3 1 1 Portfolio and Liquidity Position Management of Banks and Their Major Competitors
Chapter 10 Investment function and financial service management of banks 3 13
10. 1 profile 3 13
10.2 investment tools available to financial institutions 3 14
10.3 common money market investment tools 3 15
10.4 common capital market investment tools 3 19
10.5 emerging investment tools 320
10.6 investment securities actually held by banks 322
10.7 factors affecting the choice of investment securities 324
10.8 investment term strategy 335
10.9 Term Management Tool 338
Summary 342
Key terms 343
Exercise 343
Online exercise 345
Reference 349
Chapter 1 1 liquidity and reserve management strategies and policies 35 1
1 1. 1 profile 35 1
1 1.2 Demand and supply of liquidity 352
1 1.3 Why do financial institutions often face major liquidity problems 354
1 1.4 liquidity management strategy 355
1 1.5 Forecasting liquidity demand 358
1 1.6 legal reserve and currency position management 370
1 1.7 factors affecting the selection of backup sources 378
1 1.8 Reserve requirements of global central banks 380
Summary 380
Key terms 38 1
Exercise 38 1
Online exercise 385
Reference 387 Bank and its main competitors' fund source management.
Chapter 12 Management and pricing of deposit services 389
1 Introduction 389
12.2 Types of deposit services provided by banks and other deposit institutions 390
12.3 interest rates for different types of deposits 393
12.4 Pricing of deposit-related services 398
12.5 deposit cost plus profit pricing method 398
12.6 using marginal cost to determine deposit interest rate 400
12.7 deposit pricing method based on overall customer relationship 406
12.8 basic (lifeline) banking services: important services for low-income customers 408
Summary 4 10
Key terms 4 1 1
Exercise 4 1 1
Online Exercise 4 13
Reference 4 17
Chapter 13 Management of Non-deposit Liabilities 4 19
13. 1 introduction 4 19
13.2 principles of debt management and customer relationship 4 19
13.3 Available non-deposit funds sources 422
13.4 Selection of other non-deposit funds sources 435
Summary 443
Key terms 444
Exercise 444
Online exercise 446
Reference 449
Chapter 14 Income sources of investment banking, insurance and other expenses 45 1
14. 1 introduction 45 1
14.2 investment bank 452
14.3 sales of investment products 458
14.4 one source of fee income: trust service 462
14.5 sales of insurance-related products 464
14.6 benefits of diversification of financial services 467
14.7 information flow within financial institutions 470
Summary 472
Key terms 473
Exercise 473
Online exercise 474
Reference 477
Chapter 15 Fund Management 479
1 Introduction 479
15.2 The function of capital 480
15.3 capital and risk 48 1
15.4 types of capital 484
15.5 an important question in the history of banks: how much capital is needed?
15.6 Basel international capital standard agreement: a historic agreement of developed countries 488
15.7 changes in American capital standard 500
15.8 How to meet the capital demand 502
Abstract 507
Key terms 508
Exercise 508
Online Exercise 5 1 1
Reference 5 12 provides loans for enterprises and consumers.
Chapter 16 loan policies and procedures 5 15
16. 1 introduction 5 15
16.2 loan types 5 16
16.3 credit supervision 5 19
16.4 loan procedures 522
16.5 Credit Analysis: Determinants of Excellent Loans 524
16.6 loan customer information source 53 1
16.7 Composition of typical loan agreement 533
16.8 loan review 536
16.9 problem loan processing 537
Summary 539
Key terms 539
Exercise 540
Online exercise 542
Reference 544
Chapter 17 Enterprise Loan and Pricing 547
1 Introduction 547
17.2 Brief history of enterprise loans 548
17.3 Types of corporate loans 548
17.4 short-term enterprise loans 548
17.5 Long-term enterprise loans 552
17.6 enterprise loan application analysis 554
17.7 financial ratio analysis of customer financial statements 556
17.8 Compare the performance of corporate customers with the overall performance of their industry 563
17.9 Prepare cash flow statement according to enterprise financial statements 566
17. 10 enterprise loan pricing 573
Abstract 580
Key terms 58 1
Exercise 58 1
Online exercise 585
Reference 586
Chapter 18 Consumer credit, credit cards and real estate loans 589
18. 1 Introduction
18.2 Types of personal and family loans 590
18.3 characteristics of consumer credit 593
18.4 consumer credit application evaluation 594
18.5 Consumer Credit Application Example 596
18.6 consumer credit credit score 599
18.7 Laws and regulations applicable to consumer credit 603
18.8 real estate loan 607
18.9 new federal bankruptcy regulations 6 13
18. 10 consumer credit and real estate loan pricing: determination of loan interest rate and other terms 14
Summary 62 1
Key terms 62 1
Exercise 622
Online exercise 625
Reference 626 Global Management of Future Financial Industry
Chapter 19 Acquisition and merger of financial services 629
19. 1 Introduction
19.2 M&A is in the ascendant 630
19.3 reasons for the rapid development of financial services mergers 632
19.4 Select the appropriate merge object 636
19.5 The road to merger and growth 639
19.6 Ways to complete the merger transaction 640
19.7 merger regulations of American banks 64 1
19.8 new rules for the merger of Eurasian banks 645
19.9 How to successfully merge 646
19. 10 study on the merger of financial institutions
Summary 65 1
Key terms 652
Exercise 652
Online exercise 654
Reference 655
Chapter 20 The Future of International Banking and Banking Financial Services 659
20. 1 Introduction 659
20.2 Organizational form of international banks 660
20.3 International Banking Supervision
20.4 Services provided by banks in the international market
20.5 Future problems faced by international banks 676
20.6 The future of banking and financial services 682
Summary 686
Key terms 687
Exercise 688
Online exercise 690
Reference 690