第1页共36页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第1页共36页整理：下一代项目组完成时间：2002/3/8第2页共36页第1页共36页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第2页共36页目录一、商业银行的资产负债表...................................................................................................4二、商业银行负债..................................................................................................................52．1交易存款..................................................................................................................52．2非交易存款..............................................................................................................52．2．1存折储蓄账户............................................................................................52．2．2小额定期存款(存单).................................................................................62．2．3可转让存单................................................................................................62．3非存款借款..............................................................................................................62．4其他负债..................................................................................................................7三、商业银行资产..................................................................................................................73．1现金资产..................................................................................................................73．2贷款..........................................................................................................................83．2．1房地产贷款................................................................................................83．2．2工商业贷款................................................................................................93．2．3消费贷款....................................................................................................93．2．4其他贷款..................................................................................................103．3证券........................................................................................................................103．4其他资产................................................................................................................10四、商业银行的资本项目.....................................................................................................11五、商业银行管理.................................................................................................................11六、商业银行资产负债管理.................................................................................................116．1商业银行资产负债管理理论................................................................................116．2资产管理理论........................................................................................................126．2．1商业性贷款理论......................................................................................126．2．2资产转移理论..........................................................................................136．2．3预期收入理论........................................................................
