文档介绍：商业银行整理 CHAPTER ONE What is bank? 可从三个方面定义( can be defined in terms of ): A. Defined by the Functions It Serves and the Roles It Play 银行提供的经济作用 B. Banks and their petitors(2008Y) 08 年金融危机 the financial crisis C. Legal Basis ofa Bank 银行存在的法律基础名词解释: A bank is any business offering deposits subject to withdrawal on demand and making loans mercial or business nature. (the legal basis 法律规定) 银行是提供可以随时按要求提取的存款服务并提供商业或企业性质的贷款的机构。( withdrawal: 取回) 美国国会对银行的定义: Bank is any institution that could qualify for deposit insurance administered by FDIC (Federal Deposit Insurance Corporation) 必须由联邦存款保险公司( FDIC )管理并参与存款保险的机构注: FDIC 是指负责对美国银行及储蓄机构偿付公众存款提供担保的美国政府机构。 The roles of financial system The function of financial institutions ( 金融机构的功能) (1)Reduce transaction costs 降低交易成本(2) Credit intermediary 信用中介(3)Decentralized investment risk 分散投资风险(4)transmission of ary policy 货币政策传导(5)Provide payment and settlement facilities 提供支付结算便利 petitive Challenge for Banks ( 银行所面临的挑战) (1 ) Non-petition 非银行之间的竞争银行的主要竞争者(2 ) Finance 互联网金融(3 ) due to excessive government regulation 由于政府监管过多书本 Non-petition Banking is being pressured on all sides by key financial petitors — savings and thrift associations,credit unions,money market funds,investment banks,security brokers and dealers,panies(mutual funds),hedge funds,panies,panies,and financial-service conglomerates 银行越来越受到一些来自主要竞争者的压力,如储蓄与贷款协会,信用社,货币市场基金, 投资银行,证券经纪及经销商,投资公司(共同基金),对冲基金,财务公司,保险公司, 金融服务集团还可以有 finance panies 金融控股公司或集团, Life and Property/Casualty panies 人寿和财产保险公司 The Services Banks and Many of Their petitors Offer the Public 银行和他们最亲密的竞争对手向公众提供的服务(1) Services Banks Have Offered Throughout History 历史上银行提供的服务(2) Services Banks and Many of Their Financial-petitors Have Offered More Recently 银行和其金融服务竞争者最新开发的服务(3) Dealing in Securities: Offering Security Brokerage and Investment Banking Services (银行和其金融服务竞争者的其他业务) 证券交易: 提供证券经纪及投资银行服务(4) Convenience:the sum total of all banking and financial services 便利:所有银行及金融服务之集大成 Services Banks Have Offered Throug