商业银行业务与经营（全英语）
上海立信会计金融学院
主讲教师：稽惠娟
《商业银行业务与经营》课程是金融学专业课模块长学段必修课。本课程介绍商业银行所从事的金融服务的环境、服务内容、银行监管和风险等相关知识。课程内容主要包括资本管理、负债管理、流动性和储备管理、贷款管理、表外业务、风险管理和内部控制等。本课程的主要任务是帮助学生掌握商业银行经营的基本原理和业务及风险管理，使学生掌握商业银行的各项业务及其管理，了解风险、制度、技术发展以及行业竞争等因素对银行业产生的影响，学会利用专业英语工具查找和分析英文相关文献。本课程通过融入商业银行经营管理中的真实案例，如资本金的管理、金融债券发行、贷款的发放和风险管理等，使学生深刻理解现代商业银行在社会经济中的作用和社会责任，明确银行从业人员需要具备的专业知识、诚实守信的品质以及责任感，坚定经世济国的使命和担当。
The course of Business and Operation of commercial bank is a compulsory course for the long learning section of the finance major course module. This course introduces the financial service environment, service content and relevant knowledge of commercial banks and their main competitors. The course contents mainly include capital management, debt management, liquidity and reserve management, loan management, off balance sheet business, risk management and internal control. The main task of this course is to help students master the basic principles and business and risk management of commercial banks, so that students can master various businesses and management of commercial banks, understand the impact of risk, system, technological development and industrial competition on the banking industry, and learn to use professional English tools to find and analyze English related documents. Through integrating real cases in the operation and management of commercial banks, such as capital management, financial bond issuance, loan issuance and risk management, this course enables students to deeply understand the role and social responsibility of modern commercial banks in the social economy, clarify the professional knowledge, honest and trustworthy quality and sense of responsibility that banking practitioners need to possess, and strengthen the mission and responsibility of economic countries.
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| 学校： | 上海立信会计金融学院 |
| 开课院系： | 金融学院 |
| 课程编号： | 123450313 |
| 学分： | 3 |
（一）启发式教学法Heuristic teaching method
本课程采用启发式教学法。
什么是商业银行？商业银行因何产生？商业银行的产品是什么？--商业银行的概念和业务
商业银行的资金来源于何处？它们如何运用这些资金来创造收入？
与一般的企业相比，商业银行有何不同之处？商业银行的资本金来源有何不同？
商业银行在发放贷款前，会考虑哪些因素？
银行经营中是否存在风险？存在哪些风险？如何认识和管理这些风险？
除了体现在资产负债表上的业务，商业银行还提供哪些表外业务？
The heuristic teaching methods shall be used to understand thefollowing questions.
What is a commercial bank? Why did commercial banks comeinto being? What are the products of commercial banks？
Where does the capital of commercial banks come from? Howdo they use these funds to generate income?
What is the difference between commercial banks andordinary enterprises? What are the different sources of capital of commercialbanks?
What factors will commercial banks consider beforegranting loans?
Is there any risk in the operation of the bank? What arethe risks? How to recognize and manage these risks?
In addition to the businesses reflected on the balancesheet, what off balance sheet businesses do commercial banks provide?
（二）案例教学法/项目训练法Case teaching/projecttraining
本课程教学过程中选用以下案例：
案例1：商业银行资本金管理案例。根据业务资料，分析商业银行资本充足率情况以及提高资本金的渠道和影响。
案例2：贷款业务案例。根据业务资料，运用一定的方法对该笔贷款进行评估。
案例3：信用证结算业务案例。根据业务背景，分析采用不同的结算方式的优劣。
案例4：商业银行风险管理案例，分析案例中涉及的风险种类，产生风险的原因以及风险管理的对策。
The following cases areused in the course:
Case 1: Commercial bank capital management case. According tothe business data, analyze the channels and effects of commercial banks toincrease capital.
Case 2: Loan business case. According to the businessdata, the loan is evaluated by certain methods.
Case 3: Settlement business case. According to thebusiness background, analyze the advantages and disadvantages of differentsettlement methods.
Case 4: Commercial bank risk management case, analyzingthe types of risks involved in the case, the reasons for the risks and theCountermeasures of risk management.