商业银管理 全套课件.ppt

11. Computer Hardware/Software 12. Gains and Losses on Securities Sales 13. Swapping Securities 14. Trading Activity and use of Derivatives 15. Credit Files 16. Exceptions and Special Circumstances 6.4 Investment Strategies 6.4 Investment Strategies ?Passive Aggressive Investment Strategies Passive Investment Strategies Spaced-Maturity Approach Split-Maturity Approach 6.4 Investment Strategies Aggressive investment strategies Yield-Curve Strategies Bond-Swapping Strategies Chapter 7 Off-balance Sheet Activities 7.1 Standby Credit Letter The Uses of Standby Letters of Credit The Value and Pricing of Standby Letters Sources of Risk with standbys 7.2 Loan Sales Reasons behind loan sales The Risk in Loan Sales 7.3 Bank Loan Commitments Line of Credit Revolving Loan Commitment The Risk in Loan Commitment 7.4 Over-The-Counter Options, Futures, and Forwards Over-the-Counter Options Floor-Ceiling Agreements Forward Rate Agreements Synthetic Loans Securitization 7.4 Over-The-Counter Options, Futures, and Forwards 7.5 Other Off-Balance Sheet Activities Note Issuance Facility Trade Finance Commercial Letters of Credit Acceptance Participations Chapter 5 Providing Loans to Business and Consumers 5.1 Introduction of Loans ?Characteristics of different types of loans REAL ESTATE LOANS Commercial real estate loans. Residential mortgage loans. The secondary mortgage market. Home equity loans. Equity investments in real estate. 5.1 Introduction of Loans COMMERCIAL. LOANS Working capital requirements Seasonal versus permanent working capital needs. Short-term commercial loans Term commercial loans Revouving credits 5.1 Introduction of Loans AGRICULTURE LOANS CONSUMER LOANS 5.1 Introduction of Loans ?Loans risks and losses LOAN RISKS AND LOSSES 5.1 Introduction of Loans ?Managing credit risk Managi