第01章商业银行概述

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Federal Reserve Act 1913
Passed After a Series of Financial Panics at the Beginning of the Century
Created the Federal Reserve System Gave the Fed the Authority to Act as the
Competition Higher and volatile interest rates Deregulation Technology Service proliferation Increased interest rate sensitivity Increased risk of failure Consolidation and geographic
商业银行概述
商业银行管理 第一章
第一节 银行业务
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Traditional Services Offered By Banks
Exchange of currency Commercial notes and loans Safekeeping of valuables Savings deposits Supporting government activities
Lender of Last Resort Created to Provide a Number of Services to
Member Banks Today Fed Controls the Money Supply
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McFadden-Pepper Act 1927
Prevented Banks From Expanding Across State Lines
Act (FIRREA) - 1989
ห้องสมุดไป่ตู้
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Major Banking Laws (cont.)
FDIC Improvement Act (FDICIA) - 1991 Riegle-Neal Interstate Banking and
Branching Efficiency Act - 1994 Riegle-Neal Community Development and
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南京大学金融学系 3
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The Roles of Commercial Banks
Intermediation role Payment role Agency role Guarantor role Policy role
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南京大学金融学系 4
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Trends Affecting All Banks
with credit Trust services Checking accounts
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南京大学金融学系 2
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Recent Services of Banks
Consumer loans Financial advice Cash management Equipment leasing Venture capital loans Selling insurance products Security brokerage services Mutual funds and annuities Investment and merchant banking
Regulatory Improvement Act - 1994
2-6 Federal Reserve and Monetary Policy
Open Market Operations The Discount Rate Reserve Requirements Other Tools
expansion
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南京大学金融学系 5
商业银行概述
第一章
第二节 政府政策和管制对银行的影响
2-2 Reasons for the Regulation of Banks
Protection of the Public’s Savings Control of the Money Supply Adequate and Fair Supply of Loans Public Confidence Monopoly Powers Support of Government Activities Help for Special Segments of the Economy
2-7 National Banking Act (1863, 1864)
Passed During the Civil War to Help Fund the War
Created the Treasury and the Comptroller of the Currency
Created National Banks with a Federal Charter
1970 Bank Merger Act - 1960, 1966
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Major Banking Laws (cont.)
Social Responsibility Acts Depository Institution Deregulation and
Monetary Control Act (DIDMCA)- 1980 Garn-St. Germain Act - 1982 Competitive Equality in Banking Act - 1987 Financial Institutions Reform and Recovery
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Major Banking Laws
National Banking Acts - 1864/64 Federal Reserve Act - 1913 McFadden-Pepper Act - 1927 Glass-Steagall Act - 1933 FDIC Act - 1935 Bank Holding Company Acts - 1956, 1966,