商业银行考试要点（Examination points of commercial banks）.docVIP

商业银行考试要点（Examination points of commercial banks） This paper contributed by stell Doc document may at the WAP end of the browsing experience poor. Suggest you select TXT, or download the source file to the machine view. The first chapter an overview of commercial banks A generation and development. (a) on behalf of Chinese and foreign commercial banks appeared: the Bank of England commercial bank and foreign commercial banks China first appeared: the causes of commercial banks first appeared on behalf of the modern commercial banks: (two) the causes of modern commercial banks: 1. usurer monetary credit industry 2.. Joint-stock banks (Modern bankers three) are under the condition of market economy, business analysis of 1. commercial bank credit 2. essence of commercial banks exist asymmetric information transaction costs 3. 4. business distribution and payment system efficiency 5. risk transfer (risk of) financial controls to protect the advantages of capital resources 6. effective transfer 7. financial management The nature and function of two. (a) the definition of Commercial Bank: commercial banks are to pursue interests for the purpose of comprehensive business mainly to operate all kinds of currency Of multi functional financial enterprises. (two) Commercial Bank: 1. has the general characteristics of 2. enterprises in the special enterprise business money is different from its 3. He financial institutions (three) function: function: 1. advantages: credit intermediary continued to Many a little make a mickle.;; optimize the allocation of resources to pay 2. 3. 4. financial services intermediary credit creation Three, * * * * structure The external organizational forms: external organization form: form (a) single bank system: refers to the banking business completely by an independent banking institutions, reluctant or not allowed The establishment of branches. Advantages: 1. limit bank mergers and monopolies; 2. is conducive to the coordination of the r