(新編經(jīng)貿(mào)英語口譯)第九單元商業(yè)銀行

商務(wù)風(fēng)年終工作總結(jié)CLICKHERETOADDATITLENewEconomicandTradeEnglishInterpretationUnit9CommercialBanks演講人姓名Contents.PART/2BusinessscopeofcommercialbanksPART/3Riskmanagementofcommercialbanks目錄PART/1OverviewofCommercialBanksContents.PART/2TheFutureDevelopmentTrendsofCommercialBanks目錄PART/1SupervisionandRegulationsofCommercialBanksOverviewofCommercialBanks單擊此處添加文本具體內(nèi)容PART.01DefinitionandcharacteristicsVSCommercialbanksarefinancialinstitutionsthatprovidearangeoffinancialservicestoindividualsandbusinesses.Theyacceptdeposits,makeloans,provideinvestmentadvice,andhandleotherfinancialtransactions.CharacteristicsCommercialbanksaretypicallylarge,well-capitalizedinstitutionsthatoperateunderstrictregulatoryframeworks.Theyengageinriskmanagement,maintainliquidity,andofferavarietyoffinancialproductsandservicestotheircustomers.DefinitionTheImportanceofCommercialBanksEconomicGrowthCommercialbanksplayacrucialroleinpromotingeconomicgrowthbyprovidingcredittobusinessesandindividuals.Theyfinancetheproductionandconsumptionactivitiesthatdrivetheeconomy.FinancialIntermediationCommercialbanksactasintermediariesbetweensaversandborrowers,matchingthosewhohaveexcessfundswiththosewhorequirefinancing.Thisintermediationhelpstoallocatescarceresourcesmoreefficiently.StabilityandSafetyCommercialbanksprovidestabilityandsafetytothefinancialsystembyfollowingstrictregulatorystandards.Theyalsohelptomanagerisks,ensuringthesmoothoperationoftheeconomy.TheHistoryandDevelopmentofCommercialBanksOrigins:Commercialbankscantracetheiroriginsbacktothedevelopmentofmercantilecapitalisminthelatemedievalperiod.Theyemergedtoservethegrowingneedsofmerchantsforcreditandcurrencyexchange.EarlyDevelopment:DuringtheRenaissance,thedevelopmentofjoint-stockcompaniesallowedforgreatercapitalizationandexpansionofcommercialbankingactivities.Thisperiodalsosawtheemergenceofdepositbankingandtheuseofchecksasameansofpayment.ModernEvolution:Theindustrialrevolutionmarkedasignificantturningpointinthehistoryofcommercialbanks.Theyexpandedtheiroperationstoprovidefinancingforlarge-scaleindustrialprojects,whilealsodiversifyingtheirproductofferingstoincludeinvestmentbankingandwealthmanagementservices.單擊此處添加標題BusinessscopeofcommercialbanksPART.02DepositbusinessAcceptingdepositsfromcustomersCommercialbankscanacceptdepositsfromindividualsandbusinesses,eitherincashorthroughelectronictransfer.OfferingdepositproductsBankscanprovidevariousdepositproducts,suchassavingsaccounts,checkingaccounts,timedeposits,andcertificatesofdeposit.ServicingdepositliabilitiesBanksareresponsibleforthepaymentofinterestondepositsandthemanagementofdepositaccounts.LoanbusinessIssuingloanstoindividualsandbusinessesCommercialbankscanprovideloanstoindividualsandbusinessesforvariouspurposes,suchashomemortgages,autoloans,businessloans,andpersonalloans.ManagingloanportfoliosBanksneedtomanagetheirloanportfolioseffectivelytoensurethattheloansarerepaidontimeandthattherisksarecontrolled.ServicingloanliabilitiesBanksneedtocollectinterestandprincipalpaymentsfromborrowersandmanagetherepaymentofloans.InvestmentbusinessInvestinginfinancialmarkets01Commercialbankscaninvestinvariousfinancialmarkets,suchasthestockmarket,bondmarket,andmoneymarket.Managinginvestmentportfolios02Banksneedtomanagetheirinvestmentportfolioseffectivelytoachieveoptimalreturnswhilecontrollingrisks.Servicinginvestmentliabilities03Banksneedtomanagetherepaymentofbondsandotherinvestmentsecurities.ExchangebusinessProvidingforeignexchangeservicesCommercialbankscanprovideforeignexchangeservices,includingcurrencyexchangeandinternationalwiretransfers.ServicingexchangeliabilitiesBanksneedtomanagetheexchangeratesofdifferentcurrenciesandensurethattheexchangeratesareaccurateandcompetitive.OtherbusinessesCommercialbankscanprovidewealthmanagementservices,includinginvestmentadvice,portfoliomanagement,andtrustservices.OfferingwealthmanagementservicesBanksmayalsoprovideotherservices,suchasinsurancebrokerage,securitiesbrokerage,andtrustservices,whichrequireservicingotherliabilities.Servicingotherliabilities單擊此處添加標題RiskmanagementofcommercialbanksPART.03CreditriskmanagementCreditriskreferstotheriskthataborrowerdefaultsonaloan,resultinginfinanciallossesforthebank.Theprimarystrategiesforcreditriskmanagementincluderiskmitigation,risktransfer,andriskdiversification.Creditscoringisacommontoolusedincreditriskmanagementtoassessthecreditworthinessofborrowers.Creditriskmanagementinvolvestheidentification,assessment,andmitigationofcreditriskthroughvariousstrategiesandtools.MarketriskmanagementMarketriskreferstotheriskthatthevalueoffinancialassetsorliabilitiesmaybeaffectedbychangesinmarketconditions,suchasinterestrates,foreignexchangerates,orequityprices.MarketriskmanagementMarketriskmanagementinvolvestheidentification,assessment,andmitigationofmarketriskthroughvariousstrategiesandtools.Theprimarystrategiesformarketriskmanagementincludehedging,diversification,andrisklimits.ValueatRisk(VaR)isacommonmetricusedinmarketriskmanagementtomeasurethepotentiallossfrommarketrisk.OperationalriskmanagementOperationalriskreferstotheriskoflossresultingfrominternalprocesses,humanerror,orexternalevents.Operationalriskmanagementinvolvestheidentification,assessment,andmitigationofoperationalriskthroughvariousstrategiesandtools.Theprimarystrategiesforoperationalriskmanagementincludeprocessautomation,riskmitigation,andincidentresponse.Keyperformanceindicators(KPIs)arecommonlyusedinoperationalriskmanagementtomeasuretheeffectivenessofprocessesandidentifyareasforimprovement.LiquidityriskmanagementLiquidityriskreferstotheriskthatabankmaynotbeabletomeetitsobligationsorprovideservicestocustomersduetoinsufficientliquidity.Theprimarystrategiesforliquidityriskmanagementincludecashflowmanagement,liquiditybuffers,andcontingencyplanning.Liquidityratioanalysisisacommontoolusedinliquidityriskmanagementtoassessabank'sliquidityposition.單擊此處添加正文,文字是您思想的為了最終呈現(xiàn)發(fā)布的。單擊此處添加正文文字是您思。文字是您思。單擊此處添加正文文字是您思。文字是您思。4行*21字SupervisionandRegulationsofCommercialBanks04RegulatoryagenciesandregulatoryobjectivesRegulatoryagenciesCentralBank,FinancialRegulatoryCommission,etc.Regulatoryobjectivestoensurethesoundnessofthefinancialsystem,maintainfinancialstability,andprotecttheinterestsofdepositorsandfinancialconsumers.RegulatoryregulationsandpoliciesMacro-prudentialpolicy,Macro-financialpolicy,etc.BankingLaw,Anti-MoneyLaunderingLaw,etc.RegulatoryregulationsRegulatorypoliciesBaselAccordsandCapitalAdequacyRequirementsTheBaselCommitteeonBankingSupervision(BCBS)issuestheBaselAccordstostrengthentheregulationofcommercialbanks.BaselAccordsCommercialbanksmustmaintainsufficientcapitaltoabsorblossesandsupportbusinessoperations,includingcommonequitycapital,additionalcapital,andTier2capital.CapitalAdequacyRequirements單擊此處添加標題TheFutureDevelopmentTrendsofCommercialBanksPART.041.DigitaltransformationCommercialbanksareincreasinglyleveragingdigitaltechnologiestostreamlineoperations,enhancecustomerexperience,andreducecosts.Mobilebanking,onlinebanking,andAI-poweredcustomerservicearebecomingintegralpartsofthebankinglandscape.2.TechnologicalinnovationCommercialbanksareinvestingincutting-edgetechnologiessuchasblockchain,bigdataanalytics,andcloudcomputingtoimproveefficiency,reducerisks,andgainacompetitiveedge.TechnologicalinnovationanddigitaltransformationGreenfinanceandsustainabledevelopmentInresponsetothegrowingglobalfocusonenvironmentalsustainability,commercialbanksaredevelopinggreenfinanceproductsandservicestofinancesustainableprojectsandencourageeco-friendlypractices.1.GreenfinanceCommercialbanksare