银行管理

讲师资历

课程目标

课程大纲

课程大纲培训受众:各大中型外资公司, 各企事业单位档案管理研究者、科室主任及部门经理，档案管理专员等课程收益:待定培训颁发证书:课程完成证书课程大纲:Part I - Overiew of the Banking Industry and Regulation1.FUNDAMENTAL FORCES OF CHANGE IN BANKINGThe Fundamental Forces of ChangeCapital Requirements Increased ConsolidationGE Capital Services:A Financial Conglomerate2.BANK ORGANIZATION AND REGULATIONStructure of the Banking Bank CharterOrganizational Form of the Banking IndustryBank RegulationTrends in Federal Legislation and RegulationPart II - Evaluationg Bank Performance3.ANALYZING BANK PEREORMANCE:USING THE UBPRCommercial Bank Financial StatementsThe Relationship between the Balance Sheet and Income StatementThe Return on Equity ModelBanking Risks and Returns:The Profitability,Liquidity,and Solvency Trade-OffMaximizing the Market Value of Bank EquityEvaluating Bank Performance:An ApplicationCAMELS RatingsPerformance Characteristics of Different-sized BanksFinancial Statement Manipulation4.ALTERNATIVE MODELS OF BANK PERFORMANCEA Critique of Traditional GAAP-Based Performance MeasuresLine of Business Profitability AnalysisManagement of Market Risk Economic Value AddedThe Balanced Scorecard5.MANAGING NONINTEREST INCOME AND NONINTEREST EXPENSECommon Financial Ratios of Expense Control and Noninterest Income GrowthCustomer Profitability and Business MixStrategies to Manage Noninterest ExpensePart III - Managing Interest Rate Risk6.PRICING FIXED-INCOME SECURITIESThe Mathematics of Interest RatesThe Relationship between Interest Rates and Option-Free Bond PricesDuration and Rrice VolatilityRecent Innovations in the Valuation of Fixed-IncomeMoney Market Yields7.THE DETERMINANTS OF INTEREST RATESDeteminants of Interest Rate LevelsLoanable Funds TheoryInflation and the Level of Interest RatesInterest Rates and the Business CycleWhy Do Interest Rates Differ between Securities?Term to Final MaturityTerm to Repricing Variable Rate and Floating Rate Securities8.MANAGING INTEREST RATE RISK:GAP AND EARNINGS SENSITIVITYMeasuring Interest Rate Risk with GAPTraditional Static GAP AnalysisEarnings Sensitivity Analysis9.NANAGING INTEREST RATE RISK:DURATION GAP AND MARKET VALUE OF EQUITYMeasuring Interest Rate Risk with Duration GAPMarket Value of Equity Sensitivity AnalysisEarnings Sensitivity Analysis versus MVE Sensitivity Analysis:A Critique of Strategies to Manage Earnings and Market10.FINANCIAL FUTURES,FORWARD RATE AGREEMENTS,AND INTEREST RATE SWAPSCharacteristics of financial FuturesSpeculation versus HedgingMicrohedging Applications11.OPTIONS,CAPS,FLOORS,AND MORE COMPLEX SWAPSThe Natures of Options on Financial FuturesExample Using Eurodollar FuturesProfit DiagramsThe Use of Options on Futures by Commercial BanksInterest Rate Caps,Floors,and CollarsInterest Rate Swaps with OpitionsPart IV - Managing the Cost of Funds,Bank Capital,and Liquidity12.MANAGING LIABILITIES AND THE COST OF FUNDSThe Complsition of Bank LiabilitesCharacteristics of Small Denomination LiabilitesCalculating the Net Cost of Transaction AccountsCharacteristrics of Large Denomination LiabilitesMeasuring the Cost of FundsMarginal Cost Analysis:An Applicationg13.THE EFFECTIVE USE OF CAPITALWhy Worry about Bank Capital?What Constitutes Bank Capital?What Is the Function of Bank Capital?How Much Capital Is Adequate?The Effect of Capital Requirements on Bank Operating Policies14.LIQUIDITY PLANNING AND MANAGING CASH ASSETSThe Relationship between Cash and Liauidity RequirementsObjectives of Cash ManagementReserve Balances at the Federal reserve BankMetting Legal Reserve RequirementsManaging FloatPart V - Extending Credit to Businesses and Individuals15.OVERVIEW OF CREDIT POLICY AND LOAN CHARACTERISTICSRecent Trends in Loan Growth and QualityTrends in Competition for Loan BusinessThe Credit ProcessCharacteristiecs of Different Types of Loans16.EVALUATING COMMERCIAL LOAN REQUESTSFundamental Credit IssuesEvaluating Credit Request:A Four-Part ProcessCredit analysis:An Application17.EVALUATING CONSUMER LOANSTypes of Consumer Loans Subprime LoansConsumer Credit RegulationsCredit AnalysisRecent Risk and Return Characteristrics of Consumer Loans18.CUSTOMER PROFITABILITY ANALYSIS AND LOAN PRICINGAccount Analysis FrameworkCustomer Profitability Analysis:An Applicationg to Commercial AccountsPart VI - Managing the Investment Portfolio and Special Topics19.THE INVESTMENT PORTFOLIO AND POLICY GUIDELINESDealer Operations and the Securities Trading AccountObjectives of the Investment PortfolioComposition fo the Investment portfolioThe Risk Return Characteristics of Investment SecuritiesEstablishing Investment Policy Guidelines20.ACTIVE INVESTMENT STRATEGIESThe Maturity or Duration Choice for Long-Term SecuritiesThe Impact of Interest Rates on the Value of Securities with Embedded OptionsComparative Yields on Taxable versus Tax-Exempt SecuritiesThe Impact of the Tax Reform Act of 198621.GLOBAL BANKING ACTIVITIESGlobal Banking ParticipantsUniversal Banking ModelOrganizational Structure of U.S. BanksInternational Lending 22.FINANCIAL INSTITUTION MERGERS AND ACQUISITIONSHow Do Mergers Add Value?Valuation ProceduresAn ApplicationNonfinancial Considerations That Affect Mergers and Acquisitions