Mishkin_02_C12.ppt

Chapter 12 Banking Industry: Structure and Competition 银行业：结构与竞争 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 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 Source: Federal Reserve Flow of Funds Accounts; Federal Reserve Bulletin. 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) 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 Source: /qbp/qbpSelect.asp?menuitem=STAT. Thrift Industry: Regulation and Structure (cont’d)储蓄机构：监管和结构（续） Mutual Savings Banks 互助储蓄银行 Approximately half are chartered by states 大约有一半是在各州政府注册成立的 Regulated by state in which they are located 互助储蓄银行主要由其所在的州政府来监管 Deposit insurance provided by FDIC or state insurance 由联邦存款保险公司或州保险基金为其提供存款保险 Table 3 Ten Largest Banks in the World, 2008表3 2008年世界十大银行 Source: /2008/07/25/the-top-10-banks-in-the-world-2008/. Foreign Banks in the U.S.美国国内的外国银行 Agency office of the foreign bank 外国银行的代表处（办事处、分理处） Can lend and transfer fund in the U.S. 可以在美国发放贷款和转移资金 Cannot accept deposits from domestic residents 不能接受国内居民的存款 Not subject to regulations 不受有关限制措施的约束 Subsidiary U.S. bank 外国银行下属的美国银行 Subject to U.S. regulations 受制于美国有关限制措施的约束 Owned by a foreign bank 为外国银行所有 Foreign Banks in the U.S. (cont’d)美国国内的外国银行（续） Branch of a foreign bank 外国银行的分支机构 May open branches only in state designated as home state or in state that allow entry of out-of-state banks 只能够在申领执照的州或者是允许外州银行进入的州开立分支机构 Limited-service may be allowed in any other state 在其他的任何一个州中开展特定的服务项目 Subject to the International Banking Act of 1978 受制于1978年《国际银行法 》 Basel Accord (1988) 《巴塞尔协议》（1988） Example of international coordination of b