货币银行学Chapter Six Commercial Banks And Their bBusiness.ppt

S.4. Commercial banks’risk and risk management 4.2. Bank risk management 1,Making strict investigation before granting loans 2, Asking borrowers to provide sufficient collateral 3, Applying close supervision after granting loans 4.Loan diversification S.5. Commercial Bank Management5.1. The general concerns of bank management 1.Liquidity management To keep reasonable excess reserve is essential point to liquidity management 2.Asset management Banks try to achieve an optimal mix of assets with integration of profi- tability , safety and liquidity. 3.Liability