随着国际交往的日益密切和涉外金融业务的拓展，金融界对熟悉英语和业务技能的工作人员的需求大量增加。本书的出版将有助于普及金融英语知识，提高银行业从业人员的综合素质。本书内容涵盖商业银行导论、银行资本金、流动性管理、资产负债业务、表外业务及风险管理等。内容紧跟银行业务发展实际，既注重价值引领，又体现前沿性和时代性。各章配有章节内容思维导图、多样化图表、术语表、注释、练习题及参考答案，有利于帮助学生巩固银行业务知识和语言点，引导学生通过阅读开拓视野。本书适合作为高校金融学、商务英语等相关专业本科课程教材使用，也适合金融机构工作者阅读和使用。

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

练习题答案………………………………………………… 265

参考文献…………………………………………………… 269