.System of German Banking.ppt

System of German Banking the larger private commercial banks the saving banks (Sparkassen) the cooperatives or credit unnions(Volksbanken Raiffeisenbanken ) Universal Bank Deutsche Bundesbank（德意志银行） Dresdner Bank（德里思顿银行） Commerzbank（商业银行） Deutsche Bank the biggest bank in Germany one of the most principle financial institution of the world founded in 1870 in Berlin its capital is over 996 billion Marks 1622 branches in its country and 780 overseas Commerzbank founded in 1870 Freie und Hansestadt Hamburg capital:420 billion euros untill 2004 Dresdner Bank founded in 1842 Frankfurter acquired by Allianz Group(安联集团) in 2001 Other Banks Deutsche PostBank（德国邮政银行） DZ Bank（德国中央合作银行） KFW Bankengruppe（德国复兴信贷银行） West Deustche Bank（西德意志银行） Norddeutsche Landesbank（北德意志州银行） Landesbank Baden-Württemberg（巴登-符腾堡州银行） BayerischeHypoVereinsbank（巴伐利亚抵押银行） Mark 德国马克(DEM) = 4.3318 人民币(CNY) 1 Mark=100 phennig(芬尼) Jan 1st 2002 , mark was out of the market and Germeny began to use euro System of supervision Macket access regulation (市场准入监管) Capital adequacy regulation (资本充足性监管) Fluidity regulation (流动性监管) Loan concentration regulation (贷款集中程度监管) Information disclosure regulation (信息披露监管) Market exit regulation (市场退出的监管) Characteristics Monetary policy implementation institutions separate from banking regulatory agencies Emphasis on coordination and cooperation of the financial regulatory authorities the problem it faced the influence of European debt crisis Uncertainty in the recovery of global economy The European Central Bank insists on Low Interest policy