Chapter 1 An Overview of Banks and the FinancialServices Sector(冲突20120307 093940)概要1.ppt

Chapter One An Overview of Banks and the Financial-Services Sector （银行及金融服务概览） Learning Objective In this chapter you will learn about the many roles financial service providers play in the economy today.学习金融服务业在国民经济中得作用 You will examine how and why the banking industry and the financial services marketplace as a whole is rapidly changing, becoming new and different as we move forward into the future. 了解银行业如何和怎样快速变化，其未来发展趋势是什么。 You will also learn about new and old services offered to the public. 了解银行业历史上和现代为公众提供了哪些服务。 Key Topics Powerful Forces Reshaping the Industry （改变银行业的强大力量） What is a Bank? （银行是什么？） The Financial System and Competing Financial-Service Institutions （竞争的金融服务机构） Old and New Services Offered to the Public (新服务和老服务） Different Types of Banking Firm（银行的不同类型） Are Traditional Banks Dead? （传统的银行业正在消亡么？） 澳盛银行 Powerful Forces Reshaping the Industry （改变银行业的强大力量）Page4 Most banks today are profitable, but market shares of the financial services market place falling quite significantly. 市场份额的下降 The industry is consolidating rapidly with substantially fewer,but much large,banks and other financial firms.银行业的整合，银行的数量下降，但银行越来越大 Eg:Us 1980:14000banks, 2002:8,000banks Powerful Forces Reshaping the Industry （改变银行业的强大力量）Page4 Banking is rapidly globalizing and facing intense compition, compition is not just from other banks,but also from security dealers, insurance company,credit unions,finance companies. These companies are converging toward each other,offering parallel services and slugging it out for the public attention 银行业面临全球化的趋势和剧烈的竞争。竞争的不仅包括银行之间，也包括证券公司、保险公司、信用社、金融公司等。金融业正在同质化。 Powerful Forces Reshaping the Industry （改变银行业的强大力量）Page4 Undergoing a technological revolutions as the management of information and the production and distribution of financial services becomes increasingly electronic. 随着信息管理、服务的生产与分销系统的电子化，银行正在经历着技术革命。 What is a bank? Page 4 A bank can be defined in terms of 银行可以从3个方面进行定义： a. the economic functions it serves 经济功能 b.