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  • 银行管理学[平装]
  • 共1个商家     24.50元~24.50
  • 作者:何自云(改编),科克(Koch.T.W.)(作者),麦克唐纳(MachDonald)(作者)
  • 出版社:高等教育出版社;第1版(2005年1月1日)
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  • ISBN:9787040161625

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    《银行管理学》由高等教育出版社出版。

    作者简介

    作者:(美国)科克(Koch.T.W.) (美国)麦克唐纳 (MachDonald) 改编:何自云

    迪莫斯·柯奇(Timothy 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。
    斯柯特·迈克多纳德(S.Scott MacDonald),南卫理公会大学爱德文·柯克斯商学院sw银行研究生院基金会总裁和首席执行官、银行董事联合会主席、金融学副教授。他曾担任德克萨斯技术大学应用银行学院主任、金融学副教授。
    改编及审校者简介:
    何自云,经济学博士,对外经济贸易大学金融学院副教授。主讲“银行管理学”、“商业银行研究”等课程。
    戴国强,上海财经大学金融学院院长,教授,博士生导师。主要研究方向为货币理论和银行管理理论。开设课程主要有“货币银行学”、“商业银行经营管理”等。

    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
    ……
    5 MANAGING INTEREST RATE RISK: DURATION GAP AND MARKET VALUE OF EQUITY
    6 MANAGING LIABILITIES
    7 THE EFFECTIVE USE OF CAPITAL
    8 LIQUIDITY PLANNING AND MANAGING CASH ASSETS

    序言

    自教育部在《关于加强高等学校本科教学工作提高教学质量的若干意见》【教高(2001)4号】中提出双语教学的要求后,各地高校相继开设了一系列双语教学课程。这对提高学生的学科和外文水平,开阔国际视野,培养创新型人才起到了重要的作用;一大批教师也逐渐熟悉了外文授课,自身的教学水平和能力得到较大提高,具备国际学术思维的中青年教师脱颖而出。同时,经过近几年的双语教学实践,国外原版教材量大、逻辑不够清晰、疏离中国现实等问题也影响了双语教学的效果。因此,对外版教材进行本土化的精简改编,使之更加适合我国的双语教学已提上教材建设日程。
    为了满足高等学校经济管理类双语课程本土化教学的需要,在教育部高等教育司的指导和支持下,高等教育出版社同Thomson Leaming等国外著名出版公司通力合作,在国内首次推出了金融、会计、经济学等专业的英文原版改编教材。本套教材的遴选、改编和出版严格遵循了以下几个原则:
    1.择优选取权威的新版本。在各专业选书论证会上,我们要求入选改编的教材不仅是在国际上多次再版的经典之作的最新版本,而且是近年来已在国内被试用的优秀教材。
    2.改编后的教材力求内容规范简明,逻辑更加清晰,语言原汁原味,适合中国的双语教学。选择的改编人既熟悉原版教材内容又具有本书或本门课程双语教学的经验;在改编过程中,高等教育出版社组织了知名专家学者召开了数次改编和审稿会议,改编稿征求了众多教师的意见。
    3.改编后的教材配有较丰富的辅助教学支持资源,教师可在网上免费获取。同时,改编后的教材厚度适中,定价标准较低。
    由于原作者所处国家的政治、经济和文化背景等与我国不同,对书中所持观点,敬请广大读者在阅读过程中注意加以分析和鉴别。
    此次英文改编教材的出版,得到了很多专家学者的支持和帮助,在此深表谢意!我们期待这批英文改编教材的出版能对我国经济管理类专业的教学能有所帮助,欢迎广大读者给我们提出宝贵的意见和建议。

    文摘

    Capital risk is not considered a separate risk because all of the risks mentioned previouslywill, in one form or another, affect a bank's capital and hence solvency. It does, however, rep-resent the risk that a bank may become insolvent and fail. A firm is technically insolventwhen it has negative net worth or stockholders' equity. The economic net worth of a firm isthe difference between the market value of its assets and liabilities. Thus, capital risk refersto the potential decrease in the market value of assets below the market value of liabilities,indicating economic net worth is zero or less. If such a bank were to liquidate its assets, itwould not be able to pay all creditors, and would be bankrupt. A bank with equity capitalequal to 10 percent of assets can withstand a greater percentage decline in asset value than abank with capital equal to only 6 percent of assets. One indicator of capital risk is a compar-ison of stockholders' equity with the bank's assets. The greater equity is to assets, the greateris the amount of assets that can default without the bank becoming insolvent. Chapter'7introduces more formal risk-based capital ratios that indicate solvency risk.  A bank that assumes too much risk can become insolvent and fail. Operationally, a failedbank's cash inflows from debt service payments, new borrowings, and asset sales are insuf-ficient to meet mandatory cash outflows due to operating expenses, deposit withdrawals,and maturing debt obligations. A cash flow deficiency is caused by the market's evaluationthat the market value of bank equity is falling and potentially negative. High credit risk typ-ically manifests itself through significant loan charge-offs. High interest rate risk manifestsitself through mismatched maturities and durations between assets and liabilities. Highoperational risk appears with costs being out of control. Banks operating with high risk areexpected to have greater capital than banks with low risk. When creditors and shareholdersperceive that a bank has high risk, they demand a premium on bank debt and bid shareprices lower. This creates liquidity problems by increasing the cost of borrowing and poten-tially creating a run on the bank. Banks ultimately fail because they cannot independentlygenerate cash to meet deposit withdrawals and operate with insufficient capital to absorblosses if they were forced to liquidate assets. As such, the market value of liabilities exceedsthe market value of assets.  Capital risk is closely tied to financial leverage, asset quality, and a bank's overall risk pro-file; the more risk that is taken, the greater is the amount of capital required. High amountsof fixed-rate sources of funds increase the expected volatility of a firm's income because inter-est payments are mandatory. If a bank was funded entirely from common equity, it wouldpay dividends, but these payments are discretionary. Omitting dividends does not producedefault. Firms with high capital risk evidenced by low capital-to-asset ratios exhibit highlevels of financial leverage, have a higher cost of capital and normally experience greaterperiodic fluctuations in earnings.