Bank Management《银行管理学》(第五版)课后习题答案.pdf

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《银行管理学》（第五版）课后题答案

Chapter1

FundamentalForcesofChangeinBanking

1.Thefundamentalcompetitiveforcesofchangearederegulation/reregulation,financial

innovation,securitization,globalization,andtechnologicaladvances.Eachincreases

competitionbyexpandingthenumberandnatureofcompetitorsindifferentproductsand

services.Regulatorsrespondtocompetitivepressuresto‘leveltheplayingfield’byeither

imposingnewrestrictionsonactivitiesallowedcertainparticipantsorrelaxingexisting

restrictions.Legislationoftenfollowstoformalizethenewconstraintsoropportunities.

Considerinterest-bearingcheckingaccounts.Atonetime,nofirmcouldpayintereston

checkingaccounts.Noweveryonedoesinoneformoranother.Intheinterim,regulatorsand

legislatorsslowlyalloweddifferentfirmstoofferinterest-checking,oftenafterinvestment

bankscircumventedrestrictionsagainstit.Thesameresultoccurredwiththeinitialpassage

ofGlass-Steagalllegislation,whichseparatedbankingfromcommerce.Formanyyears,

commercialbankscouldnotunderwritemostsecuritieswhileinvestmentbankscouldnot

makecommercialloansandaccepttransactionaccounts.PriortothepassageoftheFinancial

ModernizationAct,Citigroupwasformedanditofferedfull-scalecommercialandinvestment

bankingservices,insuranceservicesviaitsTravelerssubsidiary,andeffectivelyforcedtheU.S.

CongresstopasstheActmakingallthislegal.

2.Securitizationgenerallyreducestheoverallqualityofassetsbecausetheloansthatcan

bebestsecuritizedarethehighestquality,mostmarketableassetswithstandardized

featuresarethatreadilyunderstoodandvalued.

3.Banksthathavest

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