Business Banking and Operations: 21st Century Finance and Economics Series Textbooks

Author: Zhuang Yumin
Publisher:
Publish Date: 2005-01-01
Features: This textbook systematically introduces the theory of modern commercial bank management and operation, providing a detailed analysis of the characteristics of commercial banking operations, especially the transformations in banking business and operations since the 1990s and their impact on commercial bank performance. Combining the unique aspects of commercial bank operations during China's economic transition period, this textbook employs modern commercial banking theory to conduct systematic empirical analysis, which is a distinctive feature of the book. Therefore, it is both theoretically rigorous and practically applicable. The textbook comprises 14 chapters, summarizing the current business and development of commercial banks from five perspectives. Chapter 1 introduces the origin and development of commercial banks, their organizational structure and operational principles, and government regulation of the banking industry, helping readers understand the basic overview of the banking sector. Chapters 2 and 3 focus on the business and management of bank funding sources, explaining how banks obtain funding, how to compare their costs and benefits, and how China's banking sector acquires funding sources. Chapters 4 to 11 cover the content of commercial bank asset management and operations, involving cash asset management and meeting banks' liquidity needs, how banks manage and disburse corporate and personal loans, the significance of securities investments for banks, how asset-liability management is conducted, the development and innovation of commercial bank middle-office businesses, the conduct and risk management of off-balance-sheet businesses, and the latest developments in international banking operations. Chapter 12 teaches readers how to understand and analyze bank financial statements, which is crucial for bank managers and investors. Chapters 13 and 14 introduce current mergers and acquisitions in the banking industry and future trends in banking development, showcasing a broad and challenging future for the banking sector filled with risks, opportunities, and greater challenges. This textbook can be used as a teaching material for finance and economics majors in higher education institutions, especially for financial and public finance majors, and can also serve as a reference for commercial bank management personnel.