The invention relates to the technical field of teaching sand table and particularly relates to a commercial bank operation simulation teaching sand table and method. The sand table includes a strategy plan area, a personal business area, a company business area, a fund operation area, a risk management area and a finance area; and wherein the strategy plan area, the personal business area, the company business area, the fund operation area and the risk management area are distributed around the sand table, the finance area is located at the central area of the sand table, black lines are usedfor dividing areas and the text typesetting of each area of the sand table faces students; The sand table is simple in structure, standard and comprehensive, and helps students to deeply understand the balance between income and risk in commercial bank operation and to form a correct commercial bank operation performance view.