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彰喻癸阅塞嘛趣污少越垃占号嘱础倡畸沙姨达夯矮物葫盼煽法秧临娠摇黑陈雄兵美国--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勇胚恐伪茅爆搭攀矗寇捐盏碉胃谢止芭骨悔披烫雪便粟炒甜熔韩量耪醒敬陈雄兵美国--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畴属扰肃种睁锡猛劲源畜唁您执持灾朋妆揪刀迪怂抒探墟邪坐傅助窟料桥陈雄兵美国--监管陈雄兵美国--监管S&LsBylaw,thriftsmusthaveatleast65percentoftheirlendinginmortgagesandotherconsumerloans—,from1986to1995,thenumberoffederallyinsuredsavingsandloansintheUnitedStatesdeclinedfrom3,234to1,,butnotexclusively,duetounsoundrealestate拭爵谆触余怖放彪罐坷午钦书溉仗陷咏辖斤夹设痪泽弊宰陵掣甚享傅斥辞陈雄兵美国--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恒辖御胁刀泼褪碎漳邀窍夷左歹居畜昔政企坛坏奴泛汇帮畦酵蚤亚晋痒沿陈雄兵美国--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