美国中小商业银行的现状与启示（Present situation and Enlightenment of American small and medium commercial banks）.docVIP

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美国中小商业银行的现状与启示（Present situation and Enlightenment of American small and medium commercial banks）.doc

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美国中小商业银行的现状与启示（Present situation and Enlightenment of American small and medium commercial banks）

美国中小商业银行的现状与启示（Present situation and Enlightenment of American small and medium commercial banks） Wen / Dai Zhimin Small and medium-sized commercial banks are an important force in the financial system of various countries. In the developed countries in the financial system, there is a huge amount of assets, among the worlds top 500 banks, there are also numerous, all kinds of small and medium-sized commercial banks, they have an irreplaceable role in promoting the development of economic and financial. Small and medium-sized commercial banks and big banks together constitute the necessary banking system to develop the national economy. Here, the author analyzes the present situation of American small and medium commercial banks. I. the number of small and medium-sized commercial banks in the United States The small and medium-sized commercial banks is a dynamic concept, in different period of measure, but generally speaking their common characteristics is less funding, business scope and service object is narrow, the regional outburst. According to the Federal Reserve Division in the consolidated financial statements of bank Banks Headquartered by Region, since 1999, the total assets of less than or equal to $1 billion to the bank for small and medium-sized banks, the total assets of more than $1 billion to the bank for large banks; before 1999, the total assets of less than or equal to $300 million to the bank for small and medium-sized banks, the total assets of more than $300 million to the bank for big banks. As of June 30, 2002, there were 7910 commercial banks in the United States, of which small and medium-sized banks accounted for 95% of the total, and large banks accounted for only 5%. In recent years, although a large number of bank mergers and acquisitions to reduce the number of small and medium banks, but small and medium banks still have an absolute advantage in quantity. In the small and medium-sized commercial banks, the scale of bank assets at $25