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　　内容简介

　　《货币银行学(第2版)/金融专业英语系列教材》共分11章，分别为导读、金融保险、投资分析、合并与收购、资金管理、中国市场及未来趋势等。为了便于读者学习和讨论，改版后的教材除根据内容调整了一些习题的章节位置外，还适当增补了部分习题。

　　目录

　　Chapter One Money and Monetary Systems

　　1 Money and Economy

　　2 Functions of Money

　　3 The Meaning and Types of Money

　　4 Monetary Systems

　　Summary

　　Chapter Two Credit and Financial Instruments

　　1 Survey of Credit

　　2 Forms of Credit

　　3 Financial Instruments

　　Summary

　　Chapter Three Financial Markets

　　1 Financial Markets and Elements of Financial Markets

　　2 Functions and Classification of Financial Markets

　　3 Money Markets

　　4 Capital Markets

　　Summary

　　Chapter Four Interest Rates

　　1 Interest and Interest Rates

　　2 Determination of Interest Rates and Roles of Interest Rates

　　3 System of Interest Rate Regulation

　　4 Interest Rate Theories

　　Summary

　　Chapter Five Financial Institutions

　　1 Classification of Financial Intermediaries

　　2 China's Financial Institutions

　　3 Financial Institutions in Major Developed Countries

　　Summary

　　Chapter Six Commercial Banks and Their Businesses

　　1 Emergence and Development of Commercial Banks

　　2 Types and Structure of Commercial Banks

　　3 Businesses of Commercial Banks

　　4 Risks and Risk Management of Commercial Banks

　　5 Commercial Bank Management

　　Summary

　　Chapter Seven The Central Bank

　　1 Overview of Central Banks

　　2 Functions and Businesses of a Central Bank

　　3 Financial Supervision by the Central Bank

　　Summary

　　Chapter Eight Money Demand and Money Supply

　　1 Money Demand

　　2 Theories of Money Demand

　　3 Money Supply

　　4 Theories of Money Supply

　　Summary

　　Chapter Nine Inflation and Deflation

　　1 Overview of Inflation

　　2 Effects of Inflation

　　3 Counter-Measures of Inflation

　　4 Deflation

　　Summary

　　Chapter Ten Monetary Policy

　　1 Targets of Monetary Policy

　　2 Monetary Policy Instruments of the Central Bank

　　3 Transmission Mechanism and Intermediate Targets of Monetary Policy.

　　4 Potency of Monetary Policy

　　5 Practice of China's Monetary Policy

　　Summary

　　Chapter Eleven Finance and Economic Development

　　1 Financial Deepening and Economic Development

　　2 Financial Innovation

　　Summary

　　References

　　精彩书摘

　　To avoid credit risk caused by uncertainty of objective environment， banks should take notice of loan diversification or portfolio management 35. In the credit transaction business，process is being developed involving setting limits for the loan size to a single obligor or a group of related obligors， for industry concentrations， that is， loans should be made to different economic sectors， industries and areas. Without proper control and objective investigation on obligors' credit rates， credit risk will become larger. This is particularly true in the case of related loans. In related loans related parties include banks' parent company， big stockholders， subsidiaries， directors and managers. Loans to related parties will incur even large credit risk. Today， significant resources and sophisticated programs are used to analyze and manage risk.Some banks run a credit risk department whose job is to assess the financial health of their customers and extend credit (or not) accordingly. They may use programs to advise on avoiding，reducing and transferring risk. They also use the third party like Standard & Poor's， Moody's Analytics and Fitch Ratings to provide such information.

　　In recent years， with the development of the financial markets in China， especially the dynamic capital market， the assets selection and investment preferences of Chinese households and enterprises changed significantly， causing duration changes in the commercial banks' assets and liabilities， such as more short-term fund sources and more long-term fund uses， bringingabout mismatch problems between the maturities of deposits and credits. With the furtheropening up and advancement of the RMB exchange rate reform， the currency structures of the commercial banks' assets and liabilities were changed as well， resulting in the phenomenon of a currency mismatch. Commercial banks should pay great attention to the potential risks from the maturity and currency mismatch.

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