商业银行管理（英文）chapter1 Introduction of Commercial Bank

Chapter1IntroductionofCommercialBank1.1AnOverviewofCommercialBankWhatisbankTypesandClassesofCommercialBanksServicesthatbankprovides1.Payments2.Intermediation3.OtherfinancialservicesKeytrendsaffectingallfinancial-servicefirmsServiceProliferationRisingCompetitionGovernmentDeregulationAnIncreasinglyInterest-SensitiveMixofFundsTechnologicalChangeandAutomationConsolidationandGeographicExpansionConvergenceGlobalization1.1AnOverviewofCommercialBank1.2OrganizationalStructureofBanksTheorganizationandstructureofthecommercialbankingindustryAdvancingSizeandConcentrationofAssetsIsaCountertrendNowunderWay?InternalorganizationofthebankingfirmCommunityBanksandOtherCommunity-OrientedFinancialFirmsLargerBanks—MoneyCenter,WholesaleandRetailTrendsinOrganization1.2OrganizationalStructureofBanksTheArrayoforganizationalstructuresandtypesinthebankingindustryUnitBankingOrganizationsBranchingOrganizationsBranching’sExpansionReasonsbehindBranching’sGrowthAdvantagesandDisadvantagesofBranchBankingElectronicBranching—WebSitesandElectronicNetworks:AnAlternativeoraSupplementtoTraditionalBankBranchOffices?1.2OrganizationalStructureofBanks1.2OrganizationalStructureofBanksHoldingCompanyOrganizationsWhyHoldingCompaniesHaveGrownOne-BankHoldingCompaniesMultibankHoldingCompaniesAdvantagesandDisadvantagesofHoldingCompaniesBankingSupervisionTrendsinFederalLegislationandRegulationKeyLegislation:1956—1998BanksVersusNonbankBanks.TheDepositoryInstitutionsDeregulationandMonetaryControlActof1980.TheGarn-StGermainDepositoryInstitutionsActOf1982TheTaxReformActOf1986CompetitiveEqualityBankingActOf1987TheFinancialInstitutionReform,RecoveryandEnforcementActOf1989(FIRREA)TheFederalDepositInsuranceCorporationImprovementActof1991MarketValueAccountingandFASB115.Riegle-NealInterstateBankingandBranchingEfficiencyActof1994.The1998CreditUnionMembershipAccessAct.1.3BankSupervision1.3BankSupervisionCurrentunsolvedregulatoryissuesCapitalAdequacyTooBigToFallDepositInsuranceReformHedgeFundsNewPowersTHANKYOU