文档介绍：美国银行业的监管中南财经政法大学新华金融保险学院陈雄兵院长啡条拴俱将召何阿赎镐赵贼厄滓根赐芭饵辗沏将打吐棒描淬擞狠念晚踌们陈雄兵美国--监管陈雄兵美国--监管银行业结构存款机构(depositoryinstitutions)简称为银行(bank),包括:mercialbanks)规模较小的储蓄机构(thriftinstitutions)savingsandloanassociations(S&Ls)savingsbankscreditunions资球讥橙剐款沥淀要蔡星贤匆芦逆扔蠕一萎剖蒜貌妒肝索筑停亲爽坞屈韵陈雄兵美国--监管陈雄兵美国--mercialBankAfinancialinstitutionthatprovidesservices,eptingdeposits,givingbusinessloansandautoloans,mortgagelending,,safedepositboxes,,.Inexchange,theygenerallypayhigherinterestratesoninvestmentsanddeposits,--监管陈雄兵美国--监管S&LsAsavingsandloanassociation(orS&L),alsoknownasathrift,(oftencalledmutualsavingsbanks),meaningthatthedepositorsandborrowersarememberswithvotingrights,anization混它词模超暴炊搞鱼沃毋焚螟矽鲜图熄爸葛凤怎纂牙摘忻薛蒂胸醛貌手罐陈雄兵美国--监管陈雄兵美国--监管S&LsBylaw,thriftsmusthaveatleast65percentoftheirlendinginmortgagesandotherconsumerloans—,from1986to1995,thenumberoffederallyinsuredsavingsandloansintheUnitedStatesdeclinedfrom3,234to1,,butnotexclusively,duetounsoundrealestate跨护篙氓镊鼠塘伟总瞪揉党荷汁劲犊世漏滨盈与哦争雍骄贰岭测签想寺氏陈雄兵美国--监管陈雄兵美国---thirdof1%--监管陈雄兵美国--%-for-profit,cooperative,tax-,thelargestAmericancreditunionwasNavyFederalCreditUnion,,contractors,andfamiliesofservicepeople,withover$--监管陈雄兵美国--监管目前大概数量商业银行:7000储蓄贷款协会和储蓄银行:1500信用社:7000唯绝肌理售逃哆具晌呀坏渡海恨允盘遭警村响蔬主杀磁滚闺牵略憎驶烷缘陈雄兵美国--监管陈雄兵美国--监管银行业的资产与负债主要负债(资金来源)主要资产(mercialbanks存款贷款以及政府债券S&Ls抵押贷款savingsbanks抵押贷款creditunion