文档介绍：CHAPTER4CREATINGANDMANAGINGSERVICEOUTLETS:NEWCHARTERS,BRANCHES,ANDELECTRONICFACILITIESGoalofThisChapter:ThepurposeofthischapteristolearnhownewbanksarecharteredbystateandfederalauthoritiesintheUnitedStates,todeterminewhatmakesagoodsiteforanewbranchoffice,torecognizehowtheroleofbranchofficesischanging,-andOnlineBankingChapterOutlineI. IntroductionA. esstoCustomersB. ServiceOptionsAvailableToday1. CharteringNew(DeNovo)FinancialInstitutions2. EstablishingNewFull-ServiceBranches3. SettingUpLimited-ServiceFacilitiesCharteringaNewBankorOtherFinancialServiceInstitutionsTheBankCharteringProcessintheUnitedStatesA. . BenefitsofApplyingforaNationalCharterC. BenefitsofApplyingforaStateCharterIV. anizersofaNewBankV. FactorsWeighingontheDecisiontoSeekaNewBankCharterA. ExternalFactors1. LevelofEconomicActivity2. GrowthofLocalEconomicActivity3. TheNeedforaNewBank4. petitioninSupplyingFinancialServicesB. InternalFactors1. anizers2. ManagementQuality3. PledgingofCapitalandFundstoCovertheCostofFilingaCharterApplicationandGettingUnderwayVI. VolumeandCharacteristicsofNewBankChartersA. NumbersofNewChartersB. CharacteristicsofNewCharterMarketsVII. HowWellDoNewBanksPerform?A. NewBankFinancialPerformanceB. petitiveEffectsonServiceOfferingsandServicePricingVIII. EstablishingFull-ServiceBranchOffices:ChoosingLocationsandDesigningNewBranchesA. AdvantagesofFull-ServiceBranchesB. TrendsintheDesignofNewBranchesC. DesirableSitesforNewBranchesD. ExpectedRateofReturnE. GeographicDiversificationF. BranchRegulationG. TheChangingRoleofBranchesH. In-StoreBranchingIX. EstablishingandMonitoringAutomatedLimited-ServiceFacilitiesX. Point-of-SaleTerminalsXI. AutomatedTellers(ATMs)A. HistoryofATMs B. ATMServicesC. FeeStructuresforATMUsageD. CustomerServiceLimitationsofATMsE. ExampleoftheATMCapita