一、BORROWING FROM A BANK 1
1. MONEY AND BANKS 2
2. WHERE DOES THE MONEY COME FROM? 3
3. HOW BANKS EMPLOY THIS MONEY 5
4. TO WHOM DO THE BANKS LEND? 8
5. WHY DO CUSTOMERS BORROW? 9
6. WHAT A BANK NEEDS TO KNOW. 12
7. WHAT DOES IT COST TO BORROW? 18
8. WHAT LIMITS THE AMOUNT THE BANKS CAN LEND? 19
9. THE IMPORTANCE OF BANK LENDING. 20
注释 22
一、从银行借款 38
1. 资金和银行 39
2. 资金从何而来？ 39
3. 银行如何使用此项资金？ 41
4. 银行贷款给谁？ 43
5. 客户为什么要借款？ 44
6. 银行需要了解些什么？ 46
7. 借款要付出什么费用？ 49
8. 银行放款的金额受什么限制？ 50
9. 银行放款的重要性 51
二、HOW A BANKER LO0KS AT A BALANCE SHEET 53
1. INTRODUCTION 54
A. What is it? 55
2. THE BALANCE SHEET ITSELF 55
B. Liabilities 60
(a) Current Liabilities 60
(b) Capital 61
C. Assets 63
(a) Current Assets 63
(b) Fixed Assets 65
(c) Intangible Assets 65
3. THE NEED FOR BUSINESSES TO BORROW. 66
4. HOW THE BALANCE SHEET AIDS THE BANKER. 68
5. TWO WORKING EXAMPLES. 74
注释 80
二、银行家是怎样查看资产负债表的 93
1. 引言 94
2. 资产负债表本身 95
A. 什么是资产负债表？ 95
B. 负债 99
(a) 流动负债 99
(b) 资本 99
C. 资产 101
(a) 流动资产 101
(b) 固定资产 102
(c) 无形资产 103
3. 企业的借款需要 103
4. 资产负债表是怎样帮助银行家的 104
5. 工作实例二则 109