Mishkin_02_C12试卷.ppt

Chapter 12;FIGURE 1 Time Line of the Early History of Commercial Banking in the United States图1 美国商业银行早期历史的时间线索;Historical Development of the Banking System银行体系的发展历史 ;Primary Supervisory Responsibility of Bank Regulatory Agencies银行监管机构的主要监管职责;Financial Innovation and the Growth of the “Shadow Banking System”金融创新和“影子银行体系”的发展 ;Responses to Changes in Demand Conditions: Interest Rate Volatility适应需求变化的金融创新：利率波动性 ;Responses to Changes in Supply Conditions: Information Technology适应供给变化的金融创新：信息技术 ;Responses to Changes in Supply Conditions: Information Technology适应供给变化的金融创新：信息技术;Avoidance of Regulations: Loophole Mining规避现存管制的金融创新：“钻空子”;Financial Innovation and the Decline of Traditional Banking金融创新和传统银行业务的衰落 ;FIGURE 2 Bank Share of Total Nonfinancial Borrowing, 1960–2008 图2 1960-2008年非金融借款总额中银行所占的份额;Financial Innovation and the Decline of Traditional Banking金融创新和传统银行业务的衰落;Banks’ Responses 银行的反应 ;Table 1 Size Distribution of Insured Commercial Banks, September 30, 2008表1 2008年9月30日投保商业银行的规模分布;Table 2 Ten Largest U.S. Banks, December 31, 2008 表2 2008年12月31日美国规模最大的银行 (Source: Federal Reserve Statistics);Ten Largest U.S. Banks, March 31, 2010(in thousands of U.S. dollars);Structure of the U.S. Commercial Banking Industry 美国银行业的结构 ;Bank Consolidation and Nationwide Banking 银行并购和全国性设立分支行（对于限制设立分支机构的回应） ;Benefits and Costs of Bank Consolidation 银行并购的收益和成本;Figure 3 Number of Insured Commercial Banks in the United States, 1934–2008 (3rd Quarter)图3 1934-2008年（第3季度）美国投保的商业银行数量情况;Separation of the Banking and Other Financial Service Industries 银行业与其他金融服务业的分离 ;Separation of Banking and Other Financial Services (cont’d) 银行业与其他金融服务业的分离（续）;Separation of Banking and Other Financial Services Industries Throughout the World世界范围内银行业与其他金融服务业的分离;Separation of Banking and Other Financial Services Industries Throughout the World世界范围内银行业与其他金融服务业的分离;Thrift Industry: Regulation and Structure 储蓄机构：监管和结构 ;Thrift Industry: Regulation and Structure (cont’d)储蓄机构：监管和结构（续）;Thrift Industr