bank management(银行高管培训课件).ppt

bank management(银行高管培训课件).ppt

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Deng Chao Central South University Deng Chao Central South University Learning Objectives Banks in the past Goals and Functions of Bank Regulation Organizational Form of the Banking Industry Banking Business Models Fundamental Forces of Change Chinese Banking 1. What were banks in the past? A commercial bank was defined as a firm that both accepted demand deposits(活期存款) and made commercial loans (商业贷款) Limitations on: Geographic Scope Products and Services What were banks in the past? Historically, commercial banks have been the most heavily regulated companies. The Mcfadden Act of 1927 The Glass-Steagall Act of 1933 The Bank Holding Act of 1956 The Financial Modernization Act of 1999 What were banks in the past? They were the safest and most conservative business. Although regulations limited opportunities and risks, they virtually guaranteed a profit. Resulted in a banking system with a large number of smaller banks Today, the traditional definition of a bank has been blurred by the introduction of new products and a wave of mergers. Two major services (accepted demand deposits and made commercial loans) are offered by many financial services companies. Two areas of changes 1. Traditional role of banks as financial intermediaries declined New products such as cash management accounts, mutual funds, commercial paper, and junk bonds have become more prevalent. Banks have responded by accepting lower spreads, taking on more risk, and expanding their customer and product base. 2. Evolution of banking into nontraditional roles Expand into nontraditional areas and products to generate more fee income. Actively pursue the use of technology in the development and delivery of products Gramm-Leach-Bliley Act eliminates most of the remaining restrictions that have separated commercial banking, investment banking, and insurance for over 70 years 2. Goals and Functions of Bank Regulation Ensure the Safety and Soundness of Banks Provide an Efficient and Competitive F

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