商业银行及其监管(ppt 34)[1]
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n competition between the same type of competitors across world markets
n Deregulation sped up the process, but did not necessarily start it.
PPT文档演模板
商业银行及其监管(ppt 34)[1]
n Investment banking, off-balance sheet activities
n Actively pursue the use of technology in the development and delivery of products.
n Internet banking
n Deregulation and reregulation n Financial innovation n Securitization n Globalization n Advances in technology
PPT文档演模板
商业银行及其监管(ppt 34)[1]
What were banks in the past?
n Historically, commercial banks have been the most heavily regulated companies.
n Resulted in a banking system with a large number of smaller banks that was limited in the scope of products and services that could be offered and the geographic areas where individual banks could compete.
n 1995年7月1日施行，2003年12月27日修改
n 《中华人民共和国银行业监督管理法》
n 2003年12月27日通过，2004年2月1日起施行
PPT文档演模板
商业银行及其监管(ppt 34)[1]
Fundamental Forces of Changes in Banking
n What were baLeabharlann Baiduks in the past? n Two areas of changes n Fundamental Forces of Changes
Regulatory Dialectic
n Since World War II, banks and other market participants have consistently restructured their operations to circumvent regulation and meet perceived customer needs. In response, regulators or lawmakers would impose new restrictions, which market participants circumvented again.
n As a result, they were the safest and most conservative business.
n Although regulations limited opportunities and risks, they virtually guaranteed a profit.
商业银行及其监管(ppt 34)
PPT文档演模板
2020/11/8
商业银行及其监管(ppt 34)[1]
第一章 商业银行及其监管
n Fundamental Forces of Changes in Banking
n 《中国银行业及其监管的改革与发展》
n 唐双宁，《金融时报》2004年7月5日
n 《中华人民共和国商业银行法》
n Gramm-Leach-Bliley Act eliminates most of the remaining restrictions that have separated commercial banking, investment banking, and insurance for over 70 years.
n Banks have responded by accepting lower spreads, taking on more risk, and expanding their customer and product base.
n Evolution of banking into nontraditional roles
PPT文档演模板
商业银行及其监管(ppt 34)[1]
Two areas of changes
n Traditional role of banks as financial intermediaries declined
n New products such as cash management accounts, mutual funds, commercial paper, and junk bonds have become more prevalent.
PPT文档演模板
商业银行及其监管(ppt 34)[1]
Deregulation and Competition
n Many analysts attribute much of the change in the financial services industry to deregulation.
n Deregulation was a natural response to increased competition rather than the catalyst of competition.
n competition between depository institutions and nondepository financial firms, and
PPT文档演模板
商业银行及其监管(ppt 34)[1]
Evolution of banking into nontraditional roles
n Expand into nontraditional areas and products to generate more fee income.
n Deregulation sped up the process, but did not necessarily start it.
PPT文档演模板
商业银行及其监管(ppt 34)[1]
n Investment banking, off-balance sheet activities
n Actively pursue the use of technology in the development and delivery of products.
n Internet banking
n Deregulation and reregulation n Financial innovation n Securitization n Globalization n Advances in technology
PPT文档演模板
商业银行及其监管(ppt 34)[1]
What were banks in the past?
n Historically, commercial banks have been the most heavily regulated companies.
n Resulted in a banking system with a large number of smaller banks that was limited in the scope of products and services that could be offered and the geographic areas where individual banks could compete.
n 1995年7月1日施行，2003年12月27日修改
n 《中华人民共和国银行业监督管理法》
n 2003年12月27日通过，2004年2月1日起施行
PPT文档演模板
商业银行及其监管(ppt 34)[1]
Fundamental Forces of Changes in Banking
n What were baLeabharlann Baiduks in the past? n Two areas of changes n Fundamental Forces of Changes
Regulatory Dialectic
n Since World War II, banks and other market participants have consistently restructured their operations to circumvent regulation and meet perceived customer needs. In response, regulators or lawmakers would impose new restrictions, which market participants circumvented again.
n As a result, they were the safest and most conservative business.
n Although regulations limited opportunities and risks, they virtually guaranteed a profit.
商业银行及其监管(ppt 34)
PPT文档演模板
2020/11/8
商业银行及其监管(ppt 34)[1]
第一章 商业银行及其监管
n Fundamental Forces of Changes in Banking
n 《中国银行业及其监管的改革与发展》
n 唐双宁，《金融时报》2004年7月5日
n 《中华人民共和国商业银行法》
n Gramm-Leach-Bliley Act eliminates most of the remaining restrictions that have separated commercial banking, investment banking, and insurance for over 70 years.
n Banks have responded by accepting lower spreads, taking on more risk, and expanding their customer and product base.
n Evolution of banking into nontraditional roles
PPT文档演模板
商业银行及其监管(ppt 34)[1]
Two areas of changes
n Traditional role of banks as financial intermediaries declined
n New products such as cash management accounts, mutual funds, commercial paper, and junk bonds have become more prevalent.
PPT文档演模板
商业银行及其监管(ppt 34)[1]
Deregulation and Competition
n Many analysts attribute much of the change in the financial services industry to deregulation.
n Deregulation was a natural response to increased competition rather than the catalyst of competition.
n competition between depository institutions and nondepository financial firms, and
PPT文档演模板
商业银行及其监管(ppt 34)[1]
Evolution of banking into nontraditional roles
n Expand into nontraditional areas and products to generate more fee income.