《An Introduction to Banking Principles - 2nd Edition》作者：Moorad Choudhry【PDF】

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Title: An Introduction to Banking: Principles, Strategy and Risk Management (2nd Edition)
Author: Moorad Choudhry – Veteran banker (ex-Head of Treasury at Royal Bank of Scotland), Professor of Finance at Brunel University, and author of 30+ finance books. Recognized as a leading expert in ALM (Asset-Liability Management) and fixed income markets.

Key Insights:
This comprehensive banking bible covers:

Core Banking Mechanics:
Liquidity Management: The "Liquidity Coverage Ratio" (LCR) in action
Credit Risk: From loan pricing models to Basel III/IV compliance

Strategic Frameworks:
Balance Sheet Optimization: Yield curve strategies for net interest margin
Digital Transformation: Blockchain, AI, and the future of branch banking

Risk Management:
Interest Rate Risk: Gap analysis vs. duration approaches
Operational Risk: Lessons from the 2020 "Wirecard scandal"

New in 2nd Edition:
CBDCs (Central Bank Digital Currencies) impact analysis
Climate risk stress testing methodologies
Post-SVB (Silicon Valley Bank) liquidity risk reforms


书名:《银行业导论：原则、战略与风险管理（第二版）》
作者: 穆拉德·乔杜里 – 资深银行家（前苏格兰皇家银行司库长），布鲁内尔大学金融学教授，著有30多部金融专著，资产负债管理与固定收益市场权威专家。

核心内容:
这本银行业百科全书包含：

银行核心机制:
流动性管理："流动性覆盖率"(LCR)实操指南
信用风险：从贷款定价模型到巴塞尔III/IV合规

战略框架:
资产负债表优化：提升净息差的收益率曲线策略
数字化转型：区块链与AI如何重塑网点

风险管理:
利率风险：缺口分析与久期管理对比
操作风险：2020年"Wirecard丑闻"启示录

第二版新增:
央行数字货币(CBDC)影响分析
气候风险压力测试方法
硅谷银行(SVB)事件后的流动性改革

Pro Tip:
书中"5-Credit Analysis模型"：Character（品格）、Capacity（能力）、Capital（资本）、Collateral（担保）、Conditions（环境）。